Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 12

Week Ending March 20, 2004

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions March 14, 2004 to March 20, 2004

Bank Holding Companies

National City Corporation, Cleveland, Ohio -- to acquire Allegiant Bancorp, Inc., St. 

Louis, Missouri.

- Approved, March 15, 2004 

Board Operations

Officer Appointment -- appointment of Sandra F. Braunstein as Director of the Division 

of Consumer and Community Affairs.

- Approved, March 18, 2004 

Officer Promotions and Appointments -- promotion of Alice Patricia White to Deputy 

Associate Director and appointment of Michael Gibson as Assistant Director and Chief of 

the Trading Risk Analysis Section in the Division of Research and Statistics; appointment 

of Stacy Coleman as Assistant Director for Operational and Information Technology Risk 

and Special Activities in the Division of Banking Supervision and Regulation; and change 

in responsibilities for Lisa Hoskins, Assistant Director in the Division of Reserve Bank 

Operations and Payment Systems.

- Approved, March 15, 2004 

Extensions Of Time

Central Pacific Financial Corp., Honolulu, Hawaii -- extension to June 15, 2004, to 

acquire CB Bancshares, Inc.

- Granted, March 15, 2004 

Forms

Forms -- final Board review of proposals to extend with revision the Weekly Report of 

Assets and Liabilities for Large Banks (FR 2416), Weekly Report of Selected Assets 

(FR 2644), and Weekly Report of Assets and Liabilities for Large U.S. Branches and 

Agencies of Foreign Banks (FR 2069), and to extend without revision the Regulation H 

disclosure requirements for Consumer Protections in Sales of Insurance.

- Approved, March 12, 2004 (AC)

Regulations And Policies

Regulation C -- request for public comment on revised formats for public disclosure 

tables required by the Home Mortgage Disclosure Act.

- Approved, March 15, 2004 

(AC) = Addition or Correction Board - Page 1 of 1
March 14, 2004 to March 20, 2004

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 Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

AmSouth Bank, Birmingham, Alabama -- to establish branches at 131 South Pebble 

Beach Boulevard, Sun City Center, Florida; and 2295 South Hiawassee Road, #11, 

Orlando.

- Approved, March 15, 2004 

Atlanta

Bank Independent, Sheffield, Alabama -- to establish a branch at 303 Beltline Place, Unit 

E, Decatur.

- Approved, March 18, 2004 

Atlanta

County Bank, Merced, California -- to establish a branch at 2625 Divisidero Street, 

Fresno.

- Approved, March 16, 2004 

San Francisco

First Security Bank of Conway, Conway, Arkansas -- to establish branches at 112 

Volunteer's Parkway, Clinton, and 1137 Main Street, Vilonia.

- Approved, March 18, 2004 

St. Louis

The Guarantee State Bank, Lawton, Oklahoma -- to establish a branch at 702 Northwest 

Sheridan Road.

- Withdrawn, March 18, 2004 

Kansas City

JPMorgan Chase Bank, New York, New York -- to establish a branch at 10767 

Kuykendahl, Woodlands, Texas.

- Approved, March 15, 2004 

New York

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority March 14, 2004 to March 20, 2004

Bank Branches, Domestic

JPMorgan Chase Bank, New York, New York -- to establish branches at 2335 New 

Hyde Park Road, New Hyde Park; and 16-18 Nassau Street, Princeton, New Jersey.

- Approved, March 19, 2004 

New York

MontroseBank, Montrose, Colorado -- to establish a branch near Highways 92 and 133, 

Hotchkiss.

- Approved, March 18, 2004 

Kansas City

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 100 South 

Ashley Drive, Suites 1760 and 1770, Tampa, Florida.

- Approved, March 15, 2004 

Richmond

Regions Bank, Birmingham, Alabama -- to establish a branch at the northeast corner of 

Matlock Road and Highway I-20, Arlington, Texas.

- Approved, March 18, 2004 

Atlanta

Sky Bank, Salineville, Ohio -- to establish branches at 7551 Secor Road, Lambertville, 

Michigan.

- Approved, March 16, 2004 

Cleveland

Bank Holding Companies

Bainbridge Bancshares, Inc., Bainbridge, Georgia -- to become a bank holding company 

through the acquisition of First National Bank of Decatur County, a de novo bank.

- Approved, March 19, 2004 

Atlanta

Blairstown Bancorp, Inc., Blairstown, Iowa -- to engage de novo in extending credit and 

servicing loans.

- Approved, March 19, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority March 14, 2004 to March 20, 2004

Bank Holding Companies

Canyon Bancorporation, Inc., Tucson, Arizona -- to become a bank holding company 

through the acquisition of shares of Canyon Community Bank, National Association.

- Approved, March 15, 2004 

San Francisco

CBB Bancorp, Cartersville, Georgia -- to become a bank holding company through the 

acquisition of Century Bank of Bartow County.

- Withdrawn, March 19, 2004 

Atlanta

Citizens Bank Group, Inc., St. James, Minnesota -- to engage de novo in the lending 

activities of purchasing over lines and loan participations.

- Approved, March 19, 2004 

Minneapolis

Davenport Community Bancshares, Inc., Davenport, Nebraska -- to engage in insurance 

activity.

- Withdrawn, March 15, 2004 

Kansas City

First Commerce Bancorp, Encino, California -- to become a bank holding company 

through the acquisition of First Commerce Bank.

- Approved, March 15, 2004 

San Francisco

Gulf Atlantic Financial Group, Inc., Tallahassee, Florida -- to become a bank holding 

company through the acquisition of First National Bank, Tarpon Springs.

- Withdrawn, March 18, 2004 

Atlanta

Hampden Bancorp, MHC, Springfield, Massachusetts -- to become a mutual bank 

holding company through the acquisition of Hampden Bank.

- Approved, March 19, 2004 

Boston

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority March 14, 2004 to March 20, 2004

Bank Holding Companies

Horizon Bancorporation, Inc., Bradenton, Florida -- commitment waiver request.

- Granted, March 15, 2004 

Atlanta

LBT Bancshares, Inc., Litchfield, Illinois -- commenter's request to extend the comment 

period on the application to acquire Security Bancshares, Inc., Witt.

- Denied, March 19, 2004 

Secretary

Patriot of Tennessee Corporation, Millington, Tennessee -- to become a bank holding 

company through the acquisition of Patriot Bank.

- Approved, March 19, 2004 

St. Louis

Pinehurst Bancorp, Inc., St. Paul, Minnesota -- to become a bank holding company 

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

- Approved, March 18, 2004 

Minneapolis

Shore Bancshares, Inc., Easton, Maryland -- to merge with Midstate Bancorp, Inc., 

Felton, Delaware, and thereby indirectly acquire The Felton Bank.

- Approved, March 16, 2004 

Richmond

Synovus Financial Corp., Columbus, Georgia -- to acquire Trust One Bank, Memphis, 

Tennessee.

- Approved, March 15, 2004 

Atlanta

Webster Financial Corporation, Waterbury, Connecticut -- to acquire Webster D&P 

Holdings and thereby acquire Duff & Phelps, LLC, Chicago, Illinois, and its subsidiary, 

Duff & Phelps Securities LLC.

- Withdrawn, March 15, 2004 

Boston

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority March 14, 2004 to March 20, 2004

Change In Bank Control

Citizens Financial Corporation Employee Stock Ownership Plan and Trust, Fort 

Atkinson, Wisconsin -- change in bank control.

- Permitted, March 16, 2004 

Chicago

Davenport Community Bancshares, Inc., Davenport, Nebraska -- change in bank control.

- Withdrawn, March 15, 2004 

Kansas City

Evergreen Bancshares, Inc., Tallahassee, Florida -- change in bank control.

- Returned, March 15, 2004 

Atlanta

Great Lakes Bancorp, Inc., Buffalo, New York -- notices of change in bank control.

- Permitted, March 15, 2004 

New York

Competitive Factors Reports

Canyon Community Bank, National Association, Tucson, Arizona -- report on 

competitive factors of the proposed merger with New Canyon Community Bank, 

National Association.

- Submitted, March 18, 2004 

San Francisco

First Commerce Bank, Encino, California -- report on competitive factors of the 

proposed merger with Interim First Commerce, Inc.

- Submitted, March 18, 2004 

San Francisco

First Federal of Northern Michigan, Alpena, Michigan -- report on competitive factors of 

the proposed purchase of assets and assumption of deposit liabilities of the Mancelona 

and Alanson branches of North Country Bank and Trust, Manistique.

- Submitted, March 15, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority March 14, 2004 to March 20, 2004

Competitive Factors Reports

First Heritage Bank, Wilkes-Barre, Pennsylvania -- report on competitive factors of the 

proposed merger with Community Bank National Association, Canton, New York.

- Submitted, March 16, 2004 

Philadelphia

First State Bank of Western Illinois, La Harpe, Illinois -- report on competitive factors of 

the proposed purchase of assets and assumption of liabilities of the Blandinsville branch of 

Union Bank/West, Macomb.

- Submitted, March 15, 2004 

Chicago

First State Bank, Happy, Texas -- report on competitive factors of the proposed merger 

with Sun Bank, Sunray.

- Submitted, March 16, 2004 

Dallas

Ocean National Bank, Kennebunk, Maine -- report on competitive factors of the 

proposed merger with Granite Bank, Keene, New Hampshire, and to relocate the main 

office of Ocean National Bank from Kennebunk to Portsmouth, New Hampshire.

- Submitted, March 17, 2004 

Boston

Rockland Trust Company, Rockland, Massachusetts -- report on competitive factors of 

the proposed merger with Falmouth Co-operative Bank, Falmouth.

- Submitted, March 15, 2004 

Boston

The Stockmen's Bank, Kingman, Arizona -- report on competitive factors of the 

proposed purchase of deposits and assumption of liabilities of the Payson and Show Low 

branches of First National Bank of Arizona, Scottsdale.

- Submitted, March 18, 2004 

San Francisco

Wilshire State Bank, Los Angeles, California -- report on competitive factors of the 

proposed merger with Northwest National Bank of Arlington, Arlington, Texas.

- Submitted, March 16, 2004 

San Francisco

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority March 14, 2004 to March 20, 2004

Competitive Factors Reports

Wilshire State Bank, Los Angeles, California -- report on competitive factors of the 

proposed merger with Interim Wilshire Bancorp, Inc.

- Submitted, March 17, 2004 

San Francisco

Extensions Of Time

Simmons First National Corporation, Pine Bluff, Arkansas -- extension to April 10, 

2004, to acquire Alliance Bancorporation, Inc., Hot Springs, and thereby acquire 

Alliance Bank of Hot Springs.

- Granted, March 19, 2004 

St. Louis

Membership

MainStreet Bank, Herndon, Virginia -- to become a member of the Federal Reserve 

System.

- Approved, March 16, 2004 

Richmond

(AC) = Addition or Correction Delegated - Page 7 of 7
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, March 20, 2004

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) Salisbury Bancorp, Inc., Lakeville, Connecticut - notification to 

acquire 100% of the common shares of Canaan National 

Bancorp, Inc., North Canaan, Connecticut (revised)

Newspaper – 03/22/2004

Fed Reg – 04/05/2004*

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, March 20, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch JP Morgan Chase Bank, New York, New York, request 

permission to open and occupy a branch office located at 101 N. 

Custer, McKinney, Texas.

Newspaper – 04/16/2004

Branch JP Morgan Chase Bank, New York, New York, request 

permission to open and occupy a branch office located at 3127 

Main, Frisco, Texas

Newspaper – 04/16/2004

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 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, March 20, 2004

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, March 20, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch Fifth Third Bank, Cincinnati, Ohio, to establish a branch facility 

at 380 East Main Street, Hendersonville, Tennessee

Newspaper – 03/27/2004

*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) & 3(a)(5) Applications by Fifth Third Bancorp and Fifth Third Financial 

Corporation, its wholly-owned subsidiary, both of Cincinnati, 

Ohio, to acquire Franklin Financial Corporation and its sole 

subsidiary bank, Franklin National Bank, both of Franklin, 

Tennessee.

Newspaper – 04/11/2004

Fed Reg – 04/15/2004

*Branch Fifth Third Bank, Grand Rapids, MI to establish branch facilities 

at 799 Central Avenue, Highland Park, Illinois; 240-242 Skokie 

Boulevard, Northbrook, Illinois; 1311 Ridgeland Avenue, 

Naperville, Illinois; 1582 North Rand Road, Palatine, Illinois; 

5645 North Main Street, Mishawaka, Indiana; and 900 West 

Armitage Avenue, Chicago, Illinois.

Newspaper – N/Avail 

Fed Reg – N/Avail

*Branch Fifth Third Bank, Cincinnati, Ohio, to establish branch facilities 

at 10105 Fremont Pike, Perrysburg, Ohio; 2455 Hilliard Rome 

Road, Hilliard, Ohio; and 8877 Owen Field Drive, Powell, Ohio.

Newspaper – N/Avail 

Fed Reg – N/Avail

*Branch Fifth Third Bank, Grand Rapids, MI to establish branch facilities 

at 1606 East 79th Avenue, Chatham, Illinois; 41122 Ryan Road, 

Sterling Heights, Michigan; 9000 Park Royal Drive, Fort Myers, 

Florida; 3501 North Green River Road, Evansville, Indiana; and 

10595 East U.S. Highway 36, Avon, Indiana.

Newspaper – N/Avail 

Fed Reg – N/Avail

*3(a)(5) & 4(c)(8) National City Corporation, Cleveland, Ohio, to acquire 100 

percent of Provident Financial Group, Inc., Cincinnati, Ohio, 

and thereby indirectly acquire Provident Bank, Cincinnati, Ohio.

Newspaper – 03/22/2004

Fed Reg – 03/19/2004

*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 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, March 20, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch RBC Centura Bank, Rocky Mount, North Carolina, to establish 

a branch at 1476 Hunter Hill Road, Rocky Mount, North 

Carolina.*

Newspaper – 03/30/2004

*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, March 20, 2004

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 

9530 Argyle Forest Boulevard, Jacksonville, Florida, to be 

known as The Oakleaf Office.*

Newspaper – 04/01/2004

Branch Riverside Bank of the Gulf Coast, Cape Coral, Florida, to 

establish a branch located at 717 East Venice Avenue, Venice, 

Florida.*

Newspaper – 03/25/2004

*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) Naples Bancorp, Inc., Naples, Florida, to become a bank holding 

company by acquiring 100 percent of Bank of Naples, Naples, 

Florida.*

Newspaper – 04/12/2004

Fed Reg – 04/12/2004

3(a)(1) Parish National Corporation, Covington, Louisiana, to become a 

bank holding company by acquiring 100 percent of 

OptimumBank.com, Plantation, Florida.*

Newspaper – N/Avail 

Fed Reg – N/Avail

CIC Executive Banking Corporation, Miami, Florida, after-the-fact 

change in control notice by Carlos Alejandro Safie, Pinecrest, 

Florida, to retain 88.55 percent of the voting shares of Executive 

Banking Corporation, along with its subsidiary, Executive 

National Bank, both of Miami, Florida.

Newspaper – N/Avail 

Fed Reg – 03/29/2004

4(c)(8) United Community Banks, Inc., Blairsville, Georgia, to acquire 

Fairbanco Holding Company, Inc., along with its subsidiary, 1st

Community Bank, both of Fairburn, Georgia, and thereby 

engage in operating a savings association.*

Newspaper – N/Avail 

Fed Reg – 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

None

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

Type Application

COM Community Financial Holding Company, Inc., Duluth, Georgia, 

commitment waiver request.

3(a)(1) OptimumBank Holdings, Inc., Plantation, Florida, notice to 

become a bank holding company by acquiring 100 percent of the 

outstanding shares of OpitimumBank.com, Plantation, Florida.

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, March 20, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C & Branches Harris Trust and Savings Bank, Chicago, Illinois, to merge with 

Harris Bank Round Lake, Round Lake Heights, Illinois 

(formerly known as Lakeland Community Bank, Round Lake 

Heights, Illinois), and thereby establish branch facilities to be 

located at 935 West Rollins Road, Round Lake Heights, Illinois, 

and 1310 South Route 12, Fox Lake, Illinois.*

Newspaper – 04/05/2004

Branch Harris Trust and Savings Bank, Chicago, Illinois, to establish 

branch facilities to be located at 1636 East 55th Street, Chicago, 

Illinois; at the southeast corner of Ohio and Dearborn street, 

Chicago, Illinois, and at the southwest corner of Route 132 and 

Deep Lake Road, Lake Villa, Illinois.*

Newspaper – N/Avail

Branch Michigan Heritage Bank, Farmington Hills, Michigan, to 

establish a branch facility to be located at 30445 Southfield 

Road, Southfield, Michigan.*

Newspaper – 03/21/2004

* 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

CIC Notice by John R. Barlow, Mound, Minnesota and Cinda Mae 

Classon, Dows, Iowa, to each retain 26.16 percent of the voting 

shares of Barlow Banking Corporation, Iowa Falls, Iowa, and 

thereby indirectly acquire Iowa Falls State Bank, Iowa Falls, 

Iowa.

Fed Reg – 03/04/2004

Newspaper – 03/16/2004

3(a)(3) Community State Bank Employee Stock Ownership Plan and 

Trust, Union Grove, Wisconsin, to increase ownership to at least 

31.90 percent of the voting shares of Union Bancorporation Inc., 

Union Grove, Wisconsin, and thereby indirectly acquire 

Community State Bank, Union Grove, Wisconsin.*

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(1) Third Century Bancorp, Franklin, Indiana, to become a bank 

holding company by acquiring 100 percent of the voting shares 

of Mutual Savings Bank, Franklin, Indiana.*

Fed Reg – N/Avail 

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

Type Application

Ending date of

comment period

CIC Notice by Mark Bradley Richardson, Thetford Center, Vermont, 

and Kimberly Ann Richardson, Atlanta, Georgia, as trustees of 

the "1998 Irrevocable Trust of Coyn V. Richardson", to acquire 

additional shares of Cowden Bancorp, Inc., Springfield, Illinois, 

and thereby indirectly acquire Community Banks of Shelby 

County, Cowden, Illinois.

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(3) First Busey Corporation, Urbana, Illinois, to acquire 100 percent 

of the voting shares of First Capital Bankshares, Inc., Peoria, 

Illinois, and thereby indirectly acquire First Capital Bank, 

Peoria, Illinois, and Community Bank of Lemont, Lemont, 

Illinois.*

Fed Reg – N/Avail

Newspaper – N/Avail

CIC Notice by Thomas M. Johannesen, Elgin, Illinois, Claire C. 

Johannesen, Elgin, Illinois, Mary Johannesen-Schmidt, Palatine, 

Illinois, Timothy P. Schmidt, Palatine, Illinois, Kathleen E. 

Tomei, Lake Bluff, Illinois, Richard Tomei, Lake Bluff, Illinois, 

Thomas M. Johannesen, Jr., Chicago, Illinois, Jennifer 

Johannesen, Chicago, Illinois, James Johahnnesen, Hinsdale, 

Illinois, Barbara Johannesen, Hinsdale, Illinois, Thomas P. 

Callahan, Houston, Texas, and Fran Callahan, Houston, Texas, 

to retain control of 25.27 percent of the outstanding voting 

shares of First Community Financial Corporation, Elgin, Illinois, 

and thereby indirectly acquire First Community Bank, Elgin, 

Illinois.

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(3) & 4(c)(8) MB Financial, Inc., Chicago, Illinois, to acquire 100 percent of 

the voting shares of First Security Fed Financial, Inc., Chicago, 

Illinois, and thereby indirectly acquire First Security Federal 

Savings Bank, Chicago, Illinois.*

Fed Reg – 04/05/2004

Newspaper – N/Avail

3(a)(1) Metropolitan Capital Bancorp, Inc., Chicago, Illinois, to become 

a bank holding company by acquiring 100 percent of the voting 

shares of Metropolitan Capital Bank (in organization), Chicago, 

Illinois.*

Fed Reg – 04/08/2004

Newspaper – 04/07/2004

CIC Notice by Christine V. Lake, Brookfield, Wisconsin, to acquire 

more than 10 percent of the outstanding voting shares of 

Ridgestone Financial Services, Inc., Brookfield, Wisconsin, and 

thereby indirectly acquire Ridgestone Bank, Brookfield, 

Wisconsin.

Fed Reg – 04/01/2004

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 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, March 20, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Pulaski Bank and Trust Company, Little Rock, Arkansas, to 

establish a branch facility to be located at 10900 Colonel Glenn 

Road, Little Rock, Arkansas.*

Newspaper – 03/23/2004

* 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

3A1 American Community Bancorp, Inc., Evansville, Indiana, to 

become a bank holding company by acquiring 100 percent of 

Bank of Evansville, National Association, Evansville, Indiana.*

Newspaper – 04/20/2004

Fed Reg – N/Avail

3A3 Central Bancompany, Inc., Jefferson City, Missouri, to acquire 

100 percent of Community Bancs of Oklahoma, Inc., Tulsa, 

Oklahoma, and thereby indirectly acquire Community Bank & 

Trust Company, Tulsa, Oklahoma.*

Newspaper – 04/15/2004

Fed Reg – 04/16/2004

3A5 FSB Bancshares, Inc., Henderson, Tennessee, to merge with 

American City Bancorp, Inc., Tullahoma, Tennessee, and 

thereby indirectly acquire American City Bank, Tullahoma, 

Tennessee.*

Newspaper – 04/18/2004

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

856748 The Citizens Bank

Batesville, Arkansas

11/12/2003 03/15/2004 S X

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, March 20, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Plaza Park State Bank, Waite Park, Minnesota, proposes to 

establish a branch at 6th Avenue South, Waite Park, Minnesota.*

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

CIC Retroactive change in control notice by Kenneth Hilton Johnson, 

Chicago, Illinois, to retain control of BNCCORP, Inc., 

Bismarck, North Dakota.

Fed Reg – N/Avail

Newspaper – N/Avail

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, March 20, 2004

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 Notice by Gary D. Bunch and Donna L. Bunch, both of 

Edmond, Oklahoma, to retain control of Exchange Bancshares

of Moore, Inc., parent of Exchange National Bank, both in 

Moore, Oklahoma.

Newspaper – N/Avail 

Fed Reg – 04/06/2004

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

Membership First Westroads Bank, Omaha, Nebraska, to become a member 

of the Federal Reserve System.

4(c)(8) Citizens Agency, Inc., Haddam, Kansas, to engage in real estate 

settlement, escrow services and to provide real estate title 

insurance services through the formation of Santa Fe Title, LLC, 

Gardner, Kansas.
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, March 20, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C Memphis State Bank, Memphis, TX, to acquire a branch of First 

Bank & Trust Company, Lubbock, TX* (previously reported the 

week ending March 13, 2004)

Newspaper – 04/09/2004

Branch Memphis State Bank, Memphis, TX, to establish a branch at 211 

Main Street, White Deer, TX 78097* (previously reported the 

week ending March 13, 2004)

Newspaper – 04/09/2004

*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

CIC Mr. Gary A. Messersmith, Houston, TX, et al, to acquire an 

interest in First Community Bancshares, Inc., Houston, TX

(previously reported the week ending March 13, 2004)

Fed Reg – 03/29/2004

Newspaper – 03/28/2004

3(a)(3) International Bancshares Corporation, Laredo, TX, to acquire 

Local Financial Corporation, Oklahoma City, OK, and indirectly 

acquire Local Oklahoma Bank, Oklahoma City, OK*

(previously reported the week ending March 13, 2004)

Fed Reg – 04/12/2004

Newspaper – 04/08/2004 

*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, March 20, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C Branch Hanmi Bank, Los Angeles, California, to merge with Pacific 

Union Bank, Los Angeles, California, and thereby acquire 12 

branch offices of Pacific Union Bank, all located in California.*

Newspaper – 03/15/2004

* 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) Doctors’ Bancorp, Manhattan Beach, California, to become a 

bank holding company by acquiring 100 percent of Beach 

Business Bank (in organization), Manhattan Beach, California.*

Newspaper – 04/18/2004

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