H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 17 

Week Ending April 23, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions April 17, 2005 to April 23, 2005 

Testimony And Statements 

Federal Budget Process Reforms -- statement by Chairman Greenspan before the 

Senate Budget Committee. 

- Published, April 21, 2005 

Recent Developments in the Payments System and Check Clearing for the 21st 

Century Act -- statement by Louise L. Roseman, Director, Division of Reserve 

Bank Operations and Payment Systems, before the Subcommittee on Financial 

Institutions and Consumer Credit of the House Committee on Financial Services. 

- Published, April 20, 2005 

Forms 

Forms -- final Board review to extend without revision the Report of Net Debit Cap 

(FR 2226) and to extend with revision the Annual Daylight Overdraft Capital 

Report for U.S. Branches and Agencies of Foreign Banks (FR 2225), Application 

for Prior Approval to Become a Bank Holding Company or for a Bank Holding 

Company to Acquire an Additional Bank or Bank Holding Company (FR Y-3), 

Notification for Prior Approval to Become a Bank Holding Company or for a Bank 

Holding Company to Acquire an Additional Bank or Bank Holding Company (FR 

Y-3N), Notification for Prior Approval to Engage Directly or Indirectly in Certain 

Nonbanking Activities (FR Y-4), and International Applications and Prior 

Notifications under Subparts A and C of Regulation K (FR K-1). 

- Approved, April 21, 2005 

Enforcement 

Bank of the Orient, San Francisco, California -- cease and desist order dated May 7, 

2002, terminated April 18, 2005. 

- Announced, April 20, 2005 

Gold Bank, Leawood, Kansas, and Gold Banc Corporation, Inc. -- written 

agreement dated August 26, 2003, terminated April 19, 2005. 

- Announced, April 20, 2005 

Irwin Union Bank, Columbus, Indiana -- issuance of a consent order of assessment 

of a civil money penalty. 

- Announced, April 20, 2005 

The Bank, Warrior, Alabama -- issuance of a consent order of assessment of a civil 

money penalty. 

- Announced, April 20, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority April 17, 2005 to April 23, 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 

Richmond 

Bank of the Commonwealth, Norfolk, Virginia -- to establish a branch at 4317 

Pretty Lake Avenue. 

- Withdrawn, April 18, 2005 

Atlanta 

First Georgia Community Bank, Jackson, Georgia -- to establish a branch at 3147 

Highway 278, Covington. 

- Approved, April 22, 2005 

New York 

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

branch at 640 Johnson Avenue, Bohemia. 

- Approved, April 22, 2005 

Richmond 

New Peoples Bank, Inc., Honaker, Virginia -- to establish a branch at 514 

Commerce Drive, Bluefield. 

- Approved, April 18, 2005 

Atlanta 

Regions Bank, Birmingham, Alabama -- to establish a branch at 2024 Corporate 

Centre Drive, Myrtle Beach, South Carolina. 

- Approved, April 22, 2005 

Atlanta 

Riverside Bank of the Gulf Coast, Cape Coral, Florida -- to establish a branch at 

7370 College Parkway, Fort Myers. 

- Approved, April 21, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 6 
H.2 Actions under delegated authority April 17, 2005 to April 23, 2005 

Bank Holding Companies 

Minneapolis 

Choice Financial Holdings, Inc., Grafton, North Dakota -- to acquire 85 percent of 

the shares of Peoples State Bank of Comfrey, Comfrey, Minnesota. 

- Approved, April 20, 2005 

Chicago 

Edgebrook Bancorp, Inc., Chicago, Illinois -- to become a bank holding company 

and to acquire Edgebrook Bank, a de novo bank. 

- Approved, April 20, 2005 

St. Louis 

Fayette Bancorp, Inc., Hickory Valley, Tennessee -- to become a bank holding 

company and to acquire at least 50 percent of the shares of Mason Bancorp, Inc. and 

thereby acquire The Bank of Mason, Mason. 

- Approved, April 18, 2005 

Kansas City 

First National of Nebraska, Inc., Omaha, Nebraska -- relief from and revisions to 

certain commitments. 

- Granted, April 22, 2005 

St. Louis 

FSB Bancorp, Inc., Houston, Texas -- to become a bank holding company and to 

acquire Evergreen Bancshares, Inc., Crossett, Arkansas, and thereby acquire First 

State Bank. 

- Withdrawn, April 20, 2005 

St. Louis 

Home Bancshares, Inc., Conway, Arkansas -- to merge with Marine Bancorp, Inc., 

Marathon, Florida, and thereby acquire Marine Bank of the Florida Keys. 

- Approved, April 22, 2005 

Atlanta 

Jones County Bancshares, Inc., Laurel, Mississippi -- to become a bank holding 

company and to acquire Bank of Jones County. 

- Approved, April 18, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 6 
H.2 Actions under delegated authority April 17, 2005 to April 23, 2005 

Bank Holding Companies 

St. Louis 

Mason Bancorp, Inc., Hickory Valley, Tennessee -- to become a bank holding 

company and to acquire The Bank of Mason, Mason. 

- Approved, April 18, 2005 

Atlanta 

NSB Holdings, Inc., Macon, Georgia -- relief from a commitment. 

- Granted, April 21, 2005 

Cleveland 

S&T Bancorp, Inc., Indiana, Pennsylvania -- to acquire up to 9.9 percent of CBT 

Financial Corp., Clearfield, and thereby acquire its subsidiary, The Clearfield Bank 

and Trust Company. 

- Approved, April 18, 2005 

Richmond 

The South Financial Group, Greenville, South Carolina -- to acquire Pointe 

Financial Corporation, Boca Raton, Florida. 

- Approved, April 21, 2005 

San Francisco 

Uniti Financial Corporation, Buena Park, California -- to become a bank holding 

company and to acquire Uniti Bank, and election to become a financial holding 

company. 

- Approved, April 22, 2005 

Bank Mergers 

Kansas City 

The Citizens-Farmers Bank of Cole Camp, Cole Camp, Missouri -- to purchase 

certain assets and assume certain liabilities of the Stover branch of Concordia Bank, 

Concordia, and thereby establish a branch, and to increase its investment in bank 

premises. 

- Approved, April 21, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 6 
H.2 Actions under delegated authority April 17, 2005 to April 23, 2005 

Banks, Foreign 

Director, BS&R 

Banco Financiera Comercial Hondurena, S.A., Tegucigalpa, Honduras -- to 

establish a representative office in Miami, Florida. 

- Approved, April 20, 2005 

Change In Bank Control 

Kansas City 

F&C Bancorp, Inc., Holden, Missouri -- change in bank control. 

- Permitted, April 18, 2005 

Competitive Factors Reports 

Boston 

The First National Bank of Ipswich, Ipswich, Massachusetts -- report on 

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

certain liabilities of the Boston branch of Atlantic Bank of New York, New York, 

New York. 

- Submitted, April 18, 2005 

Philadelphia 

The First National Bank of McConnellsburg, McConnellsburg, Pennsylvania -- 

report on competitive factors of the proposed purchase of certain assets and 

assumption of certain liabilities of the Hancock, Maryland, branch of Hagerstown 

Trust Company, Hagerstown. 

- Submitted, April 19, 2005 

St. Louis 

The New Washington State Bank, New Washington, Indiana -- report on 

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

certain liabilities of the Borden branch of Springs Valley Bank & Trust Company, 

French Lick. 

- Submitted, April 22, 2005 

San Francisco 

Uniti Bank, Buena Park, California -- report on competitive factors of the proposed 

merger with Uniti Merger Corporation. 

- Submitted, April 19, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 6 
H.2 Actions under delegated authority April 17, 2005 to April 23, 2005 

Extensions Of Time 

Chicago 

Arthur R. Murray, Inc., Milford, Illinois -- extension to August 8, 2005, to acquire 

Dewey State Bank, Dewey. 

- Granted, April 18, 2005 

Chicago 

CSB Bancorp, Inc., Chelsea, Michigan -- extension to June 22, 2005, to become a 

bank holding company and to acquire Chelsea State Bank. 

- Granted, April 21, 2005 

San Francisco 

Mitsubishi Tokyo Financial Group, Inc., Tokyo, Japan, and The Bank of TokyoMitsubishi, Ltd. -- extension to October 14, 2005, to acquire UFJ Futures L.L.C., 

Chicago, Illinois, and Central Leasing (U.S.A.) Inc., Florence, Kentucky; and for 

Mitsubishi Tokyo Financial Group and The Mitsubishi Trust and Banking 

Corporation, Tokyo, to acquire UFJ Trust Company of New York, New York, New 

York. 

- Granted, April 22, 2005 

Chicago 

Oswego Community Bank Employee Stock Ownership Plan, Oswego, Illinois --

extension to July 30, 2005, to increase its ownership from 33.45 percent to 51 

percent of the shares of Oswego Bancshares, Inc. and thereby acquire Oswego 

Community Bank. 

- Granted, April 22, 2005 

Chicago 

Sand Ridge Bank, Highland, Indiana -- extension to May 26, 2005, to establish a 

branch at County Road 350 South and Concord Road, Lafayette. 

- Granted, April 18, 2005 

Richmond 

Sandy Spring Bank, Olney, Maryland -- extension to November 25, 2005, to 

establish a branch at 8315 Ice Crystal Drive, Scaggsville. 

- Granted, April 21, 2005 

(AC) = Addition or Correction Delegated - Page 5 of 6 
H.2 Actions under delegated authority April 17, 2005 to April 23, 2005 

Financial Holding Companies 

Kansas City 

Oklahoma State Bancshares, Inc., Vinita, Oklahoma -- election to become a 

financial holding company. 

- Effective, April 21, 2005 

Regulations And Policies 

Secretary 

Regulation CC -- technical amendments to appendix A to reflect the restructuring of 

check processing operations in the Kansas City and San Francisco Federal Reserve 

Districts (Docket No. R-1228). 

- Approved, April 19, 2005 

(AC) = Addition or Correction Delegated - Page 6 of 6 
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, April 23, 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, April 23, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Banco Latinoamericano De Exportaciones, S.A., Panama City, 

Panama, to establish a representative office in Miami, Florida.

Newspaper – N/Avail

FBSEA Banco Votorantim, Sao Paulo, Brazil, to establish a 

representative office in New York, New York.

Newspaper – N/Avail

FBSEA Lloyds TSB Offshore Limited, St. Helier, Jersey, to establish a 

representative office in Miami, Florida.

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

CIC Change in Bank Control by the Scharphf Family, Old Bridge, 

New Jersey, to acquire up to 37.08 percent of the common stock 

of Amboy Bancorporation, Old Bridge, New Jersey.

Newspaper- 5/10/2005

Fed Reg - 5/11/2005

* 3A3 Hudson Valley Holding corp., Yonkers, New York, proposes to 

acquire 100 percent of New York National Bank, Bronx, New 

York.

Newspaper - 5/18/2005

Fed Reg - N/Avail

* 3A1 Treetops Acquisition Group LP, Treetops Acquisition Group II 

LP, Treetops Acquisition Group Ltd., Treetops Acquisition 

Group II Ltd., CAM Discount Ltd. and the Edgar M. Bronfman 

Trusts A, B, C, D, E, F and G, all of New York, New York, (the 

“Application”) for prior approval of the Board of Governors of 

the Federal Reserve System (the “Board”), pursuant to Section 

3(a)(1) of the Bank Holding Company Act of 1956, as amended, 

to become bank holding companies through the acquisition of up 

to fifty-one percent of the outstanding shares of Israel Discount 

Bank, Ltd., Tel Aviv, Israel, and thereby acquire Discount

Bancorp, New York, New York and its New York Statechartered bank, Israel Discount Bank of New York, New York, 

New York.

Newspaper - N/Avail

Fed Reg - 5/13/2005

* 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 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, April 23, 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 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, April 23, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch Fifth Third Bank, Cincinnati, OH to establish a temporary 

branch at The Pete Dye Golf Club, 801 Aaron Smith Drive, 

Bridgeport, WV

Newspaper - 04/23/2005

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

4370 Highland Road, Waterford, MI

Newspaper - 04/27/2005

*Branch Fifth Third Bank, Grand Rapids, MI to establish a branch at 640 

West Diersey Parkway, Chicago, IL

Newspaper - 04/30/2005

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

5930 West US 52, New Palestine, IN

Newspaper - 04/23/2005

*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)(5) Peoples Community Bancorp, Inc., West Chester, OH to acquire 

American State Corporation and its wholly-owned subsidiary 

American State Bank, both of Lawrenceburg, IN

Newspaper - N/Avail

Fed Reg - 04/07/2005

*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 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, April 23, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch The Marathon Bank, Winchester, Virginia, to establish a branch 

at 2252 Valley Avenue, Winchester, Virginia.*

Newspaper – 05/02/2005

Branch Farmers & Merchants Bank, Timberville, Virginia, to operate a 

courier service to pick up deposits from business customers in 

the city of Harrisonburg, Virginia, and in the county of 

Rockingham, Virginia.*

Newspaper – 05/05/2005

*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) Square 1 Financial, Inc., Pinehurst, North Carolina, to become a 

bank holding company through the acquisition of 100% of the 

voting shares of Square 1 Bank, Durham, North Carolina (in 

organization).

Fed Reg – 05/20/2005 

Newspaper – N/Avail

3(a)(3) Abigail Adams National Bancorp, Inc., Washington, D. C., to 

acquire 100% of the voting shares of Consolidated Bank & Trust 

Company, Richmond, Virginia.*

Fed Reg – N/Avail 

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

821120 Bank of the Commonwealth

403 Boush Street

Norfolk, Virginia 23510

02/07/2005 04/23/2005 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, April 23, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch MidSouth Bank, Murfreesboro, Tennessee, to establish a mobile 

branch to operate in Rutherford, Bedford, Cannon, Coffee, 

Davidson, Williamson, and Wilson counties in Tennessee.* 

Newspaper - 04/28/2005

*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) Copiah Bancshares, Inc., Hazlehurst, Mississippi, to become a 

bank holding company by acquiring 100 percent of the 

outstanding shares Copiah Bank, National Association, 

Hazlehurst, Mississippi.*

Newspaper - 05/09/2005

Fed Reg - 05/13/2005

3(a)(1) FirstFed Bancorp, Inc. Employee Stock Ownership Plan, 

Bessemer, Alabama, to become a bank holding company by 

acquiring 32 percent of the outstanding shares of FirstFed 

Bancorp, Inc., and its subsidiary, First Financial Bank, both of 

Bessemer, Alabama.*

Newspaper - 05/14/2005

Fed Reg - 05/20/2005

3(a)(3) Habersham Bancorp, Cornelia, Georgia, to acquire 100 percent 

of the outstanding shares of Liberty Bank & Trust, Toccoa, 

Georgia.*

Newspaper - 05/19/2005

Fed Reg - 05/20/2005

*Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) BankEast Corporation, Knoxville, Tennessee, proposes to 

acquire 100 percent of the outstanding shares of Curtis Mortgage 

Company, Inc., Knoxville, Tennessee, and thereby engage in 

brokering residential and investor real estate loans in the 

secondary market.

Fed Reg - N/Avail
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

3(a)(1) Neighborhood Bank Corporation, Palatka, Florida, notice to 

become a bank holding company by acquiring 100 percent of the 

outstanding shares of Putnam State Bank, Palatka, 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, April 23, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Comerica Bank, Detroit, Michigan, to establish a branch facility 

to be located at the northeast corner of Bellaire Boulevard and 

Rogersdale, Houston, Texas.*

Newspaper – N/Avail

18C & Branches Village Bank and Trust of Arlington Heights, Arlington Heights, 

Illinois, to merge with First Northwest Bank, Arlington Heights, 

Illinois, and thereby to establish branches at 234 West 

Northwest Highway, Arlington Heights, Illinois, and at 150 East 

Rand Road, Arlington Heights, Illinois.*

Newspaper – 05/01/2005

* 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

CIC Notice by the Hansen family (Jutta Hansen, DeWitt, Iowa and 

Chris Hansen III, Grand Mound, Iowa individually and as 

trustees of the Chris F. Hansen, Jr. Trust, DeWitt, Iowa; Pamela 

A. Swahn IRA, Granite Bay, California; Pamela A. Swahn, 

Granite Bay, California; Anne H. Fergus, Whitefish Bay, 

Wisconsin; and Melanie K. Boosalis, Long Grove, Iowa) to 

acquire control of 30.66 percent of the common stock of DeWitt 

Bancorp, Inc., DeWitt, Iowa, and thereby indirectly DeWitt 

Bank and Trust Company, DeWitt, Iowa.

Fed Reg – 04/20/2005

Newspaper – 4/29/2005

CIC Notice by Walter Carlson, Naples, Florida, and Dennis Shull, 

Indianola, Iowa, to increase their ownership of Morning Sun 

Bank Corp., Morning Sun, Iowa, and thereby indirectly Iowa 

State Bank, Wapello, Iowa, to 66.67 percent and 33.33 percent, 

respectively.

Fed Reg – 05/11/2005

Newspaper – N/Avail

3(a)(3) Peotone Bancorp, Inc., Peotone, Illinois, to acquire up to 20.06 

percent of the voting shares of SouthwestUSA Corporation, Las 

Vegas, Nevada, and thereby indirectly acquire SouthwestUSA 

Bank, Las Vegas, Nevada.*

Fed Reg – 05/13/2005

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

49148 Rushville State Bank

Liberty & Lafayette

P.O. Box 50

Rushville, Illinois 62681

(217) 322-3323

11/29/2004 04/15/2005 S X

2744063 Tower Bank & Trust Co.

116 E. Berry Street

Fort Wayne, Indiana 46801

(260) 427-7000

12/06/2004 04/15/2005 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 23, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch The Bank of Fayette County, Moscow, Tennessee, to establish a 

branch facility to be located at 3155 Highway 64, Eads, 

Tennessee.*

Newspaper – 05/06/2005

* 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

3A1 ESB Bancorp, Inc., Elberfeld, Indiana, to become a bank 

holding company by acquiring 100 percent of The Elberfeld 

State Bank, Elberfeld, Indiana.*

Newspaper – 05/18/2005

Fed Reg – N/Avail

3A3 German American Bancorp, Jasper, Indiana, to acquire 9.8 

percent of Eclipse Bank, Inc., Louisville, Kentucky (in 

organization).*

Newspaper – 05/20/2005

Fed Reg – N/Avail

3A3 Mercantile Bancorp, Inc., Quincy, Illinois, to increase its 

ownership from 13.75 percent up to 21 percent of NorthStar 

Bancshares, Inc., Kansas City, Missouri, and thereby increase its 

indirect control of NorthStar Bank, National Association, 

Kansas City, Missouri. (Previously submitted during the week 

ending April 16, 2005.)*

Newspaper – 05/16/2005

Fed Reg – 05/20/2005

* 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

2594240 The Capital Bank

Little Rock, AR

01/10/2005 04/22/2005 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, April 23, 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) Deerwood Bancshares, Inc., Deerwood, Minnesota, to acquire 

100 percent of Northome Bancshares, Inc., Northome, 

Minnesota, and thereby indirectly acquire Northland Community 

Bank, Northome, Minnesota.*

Fed Reg - 04/22/2005

Newspaper - 04/29/2005

* 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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, April 23, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Kearney Commercial Bank, Kearney, Missouri, to relocate its 

main office to 950 W. 92 Highway, Kearney, Missouri, and to 

establish a branch at 100 W. 92 Highway, Kearney, Missouri.

Newspaper - 04/29/2005

Section II – Applications subject to both newspape r and Federal Register notice

Type Application

Ending date of

comment period

3(a)(1) Second Capital Investments, LLC, Lee's Summit, Missouri, to 

become a bank holding company through the acquisition of up 

to 33.90 percent of the voting shares of 1st Financial Bancshares, 

Inc., Overland Park, Kansas, parent of 1st Financial Bank, 

Overland Park, Kansas.

Newspaper - N/Avail.

Fed Reg - N/Avail.

CIC Notification by T. Coleman Andrews, III, Jackson, Wyoming; 

Everette G. Allen, Jr., Richmond, Virginia; Allen S. Andrews, 

Middleburg, Virginia; Timothy A. Anonick, Midlothian, 

Virginia; John C. Backus, Jr., Great Falls, Virginia; David F. 

Bullock, Alpine, Utah; Marvin P. Bush, Alexandria, Virginia; 

Christopher H. Daniell, Hopkinton, New Hampshire; Laurence 

C. Fentriss, Richmond, Virginia; Davila Jaime, McAllen, Texas; 

Ronald P. Mika, Alpine, Utah; Geoffrey S. Rehnert, Weston, 

Massachusetts; Kevin W. Wilson, Virginia Beach, Virginia; and 

Marc B. Wolpow, Wellesley, Massachusetts, to acquire control 

of Rock Springs American Bancorporation, Inc., parent of 

American National Bank of Rock Springs, both of Rock Springs, 

Wyoming.

Newspaper - 05/11/20005

Fed Reg - 05/11/2005

CIC Notification by Stephen Sherlock, Lamar, Colorado, individually 

and as trustee for Colorado East Bank & Trust Employee Stock 

Ownership Plan, Lamar, Colorado, to retain control of ColoEast 

Bankshares, Inc., Lamar, Colorado, parent of First National 

Bank of Tribune, Tribune, Kansas, and Colorado East Bank & 

Trust, Lamar, Colorado.

Newspaper - 05/04/2005

Fed Reg - 04/25/2005
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

Investment in 

Bank Premises

Kearney Commercial Bank, Kearney, Missouri, to increase its 

investment in bank premises.

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

990352 United Bank & Trust Company

823 Broadway

Marysville, Kansas 66508

01/24/2005 04/22/2005 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, April 23, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Texas State Bank, McAllen, TX, to establish a branch to be 

located at 325 North St. Paul Street, Dallas, TX 75201.*

Newspaper - 05/03/2005

*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) CSAB Holdings, L.L.C., Dallas, TX, to become a bank holding 

company by acquiring 36 percent of Parkway National 

Bancshares, Inc., Plano, TX, and indirectly acquire Parkway 

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

Parkway Bank, N.A., Plano, TX.*

Fed Reg – 05/20/2005

Newspaper – N/Avail

3(a)(3) Olney Bancshares of Texas, Inc., Olney, TX, and Olney 

Bancorp of Delaware, Inc., Wilmington, DE, to acquire 100 

percent of Rose Rock Bank, OK (de novo).*

Fed Reg – N/Avail

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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, April 23, 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 regula tion 

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