Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 24

Week Ending June 12, 2004

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions June 6, 2004 to June 12, 2004

Bank Holding Companies

Mountain Home Bancshares, Inc., Mountain Home, Arkansas -- to acquire Pocahontas 

Bankstock, Inc., Pocahontas, and Bank of Pocahontas.

- Approved, June 7, 2004 

National City Corporation, Cleveland, Ohio -- to acquire Provident Financial Group, 

Inc., Cincinnati, The Provident Bank, and Provident Investment Advisors, Inc., a nonbank 

subsidiary.

- Approved, June 7, 2004 

Forms

Forms -- final Board review of a proposal to implement a new voluntary Survey of 

Financial Management Behaviors of Military Personnel (FR 1375).

- Approved, June 7, 2004 

Regulations And Policies

Disposal of Consumer Information Under the Fair and Accurate Credit Transactions 

Act -- interagency request for public comment on a proposed rule that would require 

financial institutions to properly dispose of consumer information from consumer reports 

(Docket No. R-1199).

- Approved, May 12, 2004 (AC)

Regulation V (Fair Credit Reporting) -- final amendments to add model notices that 

financial institutions may use to comply with the notice requirements for furnishing negative 

information to consumer reporting agencies (Docket No. R-1187).

- Approved, June 7, 2004 

(AC) = Addition or Correction Board - Page 1 of 1
June 6, 2004 to June 12, 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 a branch at 109 Webster Circle, 

Madison, Mississippi.

- Approved, June 7, 2004 

Atlanta

The Bank of Floyd, Floyd, Virginia -- to establish a branch at 4309 Starkey Road, 

Roanoke.

- Approved, June 9, 2004 

Richmond

The Bank of New York, New York, New York -- to establish a branch at 139 Flatbush 

Avenue, Brooklyn.

- Approved, June 7, 2004 

New York

Business Bank of Nevada, Las Vegas, Nevada -- to establish a branch at 6518 South 

McCarran Boulevard, Reno.

- Approved, June 10, 2004 

San Francisco

CapitalBank, Greenwood, South Carolina -- to establish a drive-through branch at 536 

West Greenwood Street, Abbeville.

- Approved, June 10, 2004 

Richmond

Citizens Bank, Flint, Michigan -- to establish a branch at 28001 Cabot Drive, Novi.

- Approved, June 11, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority June 6, 2004 to June 12, 2004

Bank Branches, Domestic

Fifth Third Bank, Cincinnati, Ohio -- to establish branches at 5067 Portage Street 

Northwest, North Canton; 3739 Navarre Avenue, Oregon; the intersections of 

Broadview and Royalton Roads, Broadview Heights; West Garfield and South Bissell 

Roads, Aurora; State Route 747 and Union Center Boulevard, West Chester; and Snow 

Road and Delores Boulevard, Brookpark; and 15530 South Telegraph Road, Monroe, 

Michigan.

- Approved, June 10, 2004 

Cleveland

James Monroe Bank, Arlington, Virginia -- to establish a branch at 7900 Sudley Road, 

Manassas.

- Approved, June 7, 2004 

Richmond

Marquette Bank, Chicago, Illinois -- to establish a branch at 9503 South Roberts Road, 

Hickory Hills.

- Approved, June 7, 2004 

Chicago

PlainsCapital Bank, Lubbock, Texas -- to operate a courier service to serve customers of 

the branch at 70 Northeast Loop 410, San Antonio.

- Approved, June 9, 2004 

Dallas

Regions Bank, Birmingham, Alabama -- to establish a branch at 1299 Industrial Drive, 

Crestview, Florida.

- Approved, June 8, 2004 

Atlanta

SouthTrust Bank, Birmingham, Alabama -- to establish branches at 6244 University 

Drive, Huntsville; 812 Providence Road, Brandon, Florida; Goodman and Elmore Roads, 

Southaven, Mississippi; and Moore's Lane at West Gate Commons, Brentwood, 

Tennessee.

- Approved, June 8, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority June 6, 2004 to June 12, 2004

Bank Branches, Domestic

Virginia Commerce Bank, Arlington, Virginia -- to establish a branch at 7901 Richmond 

Highway, Alexandria.

- Approved, June 10, 2004 

Richmond

Bank Holding Companies

Alabama National BanCorporation, Birmingham, Alabama -- to acquire Coquina Bank, 

Ormand Beach, Florida.

- Approved, June 7, 2004 

Secretary

America West Bank Members, LC, Layton, Utah -- to become a bank holding company 

and to acquire America West Bank.

- Approved, June 8, 2004 

San Francisco

Hilltop Community Bancorp, Inc., Summit, New Jersey -- to become a bank holding 

company and to acquire Hilltop Community Bank.

- Approved, June 9, 2004 

New York

Independent Bank Corporation, Ionia, Michigan -- to acquire North Bancorp, Inc., 

Gaylord, and First National Bank of Gaylord, and for First National Bank of Gaylord to 

merge with Independent Bank, Bay City.

- Approved, June 11, 2004 

Chicago

Koss-Winn Bancshares, Inc. Employee Stock Ownership Plan with 401(K) Provisions, 

Buffalo Center, Iowa -- to acquire additional shares of Koss-Winn Bancshares, Inc. and 

thereby acquire Farmers Trust & Savings Bank.

- Approved, June 8, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority June 6, 2004 to June 12, 2004

Bank Holding Companies

NSB Holdings, Inc., Macon, Georgia -- to become a bank holding company and to 

acquire New Southern Bank.

- Withdrawn, June 9, 2004 

Atlanta

Premier Commercial Bancorp, Anaheim, California -- to become a bank holding 

company and to acquire Premier Commercial Bank, N.A.

- Approved, June 11, 2004 

San Francisco

Regal Financial Bancorp, Inc., Seattle, Washington -- to become a bank holding 

company and to acquire Regal Financial Bank.

- Approved, June 11, 2004 

San Francisco

Southern Missouri Bancorp, Inc., Poplar Bluff, Missouri -- to become a bank holding 

company and to retain Southern Missouri Bank and Trust Company on its conversion 

from a state savings bank to a state-chartered trust company.

- Approved, June 11, 2004 

St. Louis

SunSouth Bancshares, Inc., Dothan, Alabama -- to become a bank holding company and 

to acquire SunSouth Bank.

- Approved, June 10, 2004 

Atlanta

Waumandee Bancshares, Ltd., Waumandee, Wisconsin -- to acquire First State Bank, 

Fountain City.

- Approved, June 10, 2004 

Minneapolis

Bank Mergers

The State Bank, Winfield, Kansas -- to purchase certain assets and assume certain 

liabilities of the Bank of Commerce, Udall, and thereby establish a branch.

- Approved, June 10, 2004 

Kansas City

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority June 6, 2004 to June 12, 2004

Bank Premises

The Gunnison Bank and Trust Company, Gunnison, Colorado -- to increase its 

investment in bank premises.

- Approved, June 7, 2004 

Kansas City

Competitive Factors Reports

BNY Missouri Interim Trust Company, National Association, St. Louis, Missouri -- 

report on competitive factors of the proposed merger with BNY Trust Company of 

Missouri.

- Submitted, June 9, 2004 

St. Louis

City National Bank and Trust Company, Gloversville, New York -- report on 

competitive factors of the proposed acquisition of two branches of HSBC Bank USA, 

Buffalo.

- Submitted, June 11, 2004 

New York

Farmers Bank & Trust Company, Magnolia, Arkansas -- report on competitive factors of 

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

Camden branches of Heartland Community Bank, Camden.

- Submitted, June 10, 2004 

St. Louis

First Community Bank, N.A., Lexington, South Carolina -- report on competitive factors 

of the proposed merger with Newberry Federal Savings Bank, Newberry.

- Submitted, June 11, 2004 

Richmond

State Bank of Escanaba, Escanaba, Michigan -- report on competitive factors of the 

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

and Iron Mountain offices of North Country Bank & Trust, Manistique.

- Submitted, June 11, 2004 

Minneapolis

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority June 6, 2004 to June 12, 2004

Competitive Factors Reports

Union State Bank, Pell City, Alabama -- report on competitive factors of the proposed 

merger with Premier Community Bank of South Florida, Fort Lauderdale, Florida.

- Submitted, June 9, 2004 

Atlanta

Waumandee State Bank, Waumandee, Wisconsin -- report on competitive factors of the 

proposed merger with First State Bank, Fountain City.

- Submitted, June 10, 2004 

Minneapolis

Extensions Of Time

Community Guaranty Corporation, Plymouth, New Hampshire -- extension to July 27, 

2004, to become a bank holding company and to acquire Community Guaranty Savings 

Bank.

- Granted, June 10, 2004 

Boston

GB&T Bancshares, Inc., Gainesville, Georgia -- extension to October 2, 2004, to merge 

with Southern Heritage Bancorp, Inc., Oakwood, and thereby acquire Southern Heritage 

Bank.

- Granted, June 9, 2004 

Atlanta

South Dakota Bancshares, Inc., Pierre, South Dakota -- extension to September 10, 

2004, to establish SDBS Reinsurance Limited, Grand Turk, Turks and Caicos Islands, 

and thereby engage in underwriting credit life and credit accident and health insurance 

reinsurance.

- Granted, June 8, 2004 

Minneapolis

Financial Holding Companies

BancorpSouth, Inc., Tupelo, Mississippi -- election to become a financial holding 

company.

- Effective, June 7, 2004 

St. Louis

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority June 6, 2004 to June 12, 2004

Financial Holding Companies

Fairfield Bancshares, Inc., Fairfield, Illinois -- election to become a financial holding 

company.

- Effective, June 7, 2004 

St. Louis

(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, June 12, 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 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, June 12, 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

3A3 Adirondack Trust Company Employee Stock Ownership Trust, 

Saratoga Springs, New York, to acquire twenty additional shares

of 473 Broadway Holding Corporation and to acquire two 

thousand additional shares of The Adirondack Trust Company, 

both of Saratoga, New York.

Newspaper – 06/24/2004

Fed Reg – 07/09/2004

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4C8 NRW.Bank, Dusseldorf, Germany, to continue to engage in 

certain non-banking activities currently conducted by 

NRW.Bank’s subsidiary, WestLB AG, Dusseldorf, Germany.

Fed Reg – N/Avail

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 12, 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

Member New Tripoli Bank, New Tripoli, PA to become a member 

of the Federal Reserve System.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

community be evaluated periodic ally. 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 12, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*18(c) & Branch Community First Bank & Trust, Celina, OH, to merge with 

Indiana Lawrence Bank, North Manchester, IN and The Clyde 

Savings Bank, Clyde, OH, pursuant to Section 18(c) of the 

Federal Deposit Insurance Act and incident thereto establish 

branches pursuant to Section 9 of the Federal Reserve Act.

Newspaper – 06/09/2004

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

2710 North Narragansett Avenue, Chicago, IL.

Newspaper – 06/12/2004

*Branch Fifth Third Bank, Grand Rapids, MI to establish a branch at 251 

Brook Forest Avenue, Shorewood, IL.

Newspaper – 06/12/2004

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

1725 North Harlem Avenue, Chicago, IL.

Newspaper – 06/12/2004

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

7150 Mannheim Road, Rosemont, IL.

Newspaper – 06/12/2004

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

9344 Skokie Boulevard, Skokie, IL.

Newspaper – 06/12/2004

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

2001 Spring Arbor Road, Jackson, MI.

Newspaper – 06/12/2004

*Branch Sky Bank, Salineville, OH to establish a branch at 68011 Mall 

Ring Road, St. Clairsville, OH.

Newspaper – 06/11/2004

*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) & *3(a)(5) Camco Financial Corporation, Cambridge, Ohio, to become a 

bank holding company by acquiring 100 percent of London 

Financial Corporation and its wholly-owned subsidiary, The 

Citizens Bank of London, both of London, Ohio.

Newspaper – N/Avail

Fed Reg – 06/18/2004
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

CIC Notice of Change in Bank Control by Susan Neff, Robert Neff, 

Ryan Neff, Heather Neff and Jennifer Neff-Markwell 

(collectively known as the "Neff Family") of their intent to 

retain control of 25 percent or more of the outstanding shares of 

The Citizens Bancorp, Morehead, Kentucky.

Newspaper – 05/17/2004

Fed Reg – 05/19/2004

CIC Notice by the Elder Group and Deborah Bagenstose, Columbus, 

Ohio, to retain control of Empire Bancshares, Inc., Hicksville, 

Ohio.

Newspaper – 06/15/2004

Fed Reg – 05/18/2004

CIC Notice of Change in Control filed by The Dlesk Family (Rosalie 

J. Dlesk and Sylvan J. Dlesk and Randall Dlesk and Jane Dlesk), 

Wheeling, WV of their intent to acquire an additional 9,000 

voting shares of First West Virginia Bancorp, Inc., Wheeling, 

WV and increase their ownership position to 161,442 shares or 

10.56% of the total shares outstanding.

Newspaper – 05/20/2004

Fed Reg – 06/01/2004

*3(a)(5) Huntington Bancshares Incorporated, Columbus, Ohio, to 

acquire Unizan Financial Corp., Canton, Ohio.

Newspaper – 04/28/2004

Fed Reg – 04/23/2004

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

Bancorp, Inc., Wooster, Ohio, pursuant to Sections 3 and 4 of 

the Bank Holding Company Act.

Newspaper – N/Avail

Fed Reg – N/Avail

*3(a)(3) & 3(a)(5) S&T Bancorp, Inc., Indiana, Pennsylvania, to acquire up to 9.9 

percent of Fidelity Bancorp, Inc., Pittsburgh, Pennsylvania and 

thereby indirectly acquire Fidelity Savings Bank, Pittsburgh, 

Pennsylvania.

Newspaper – N/Avail

Fed Reg – N/Avail

*18(c), *4(c)(8), 

& *Branch

Wesbanco, Inc., and WFCO, Inc., both of Wheeling, WV to 

acquire Western Ohio Financial Corporation, Springfield, OH 

and its subsidiary, Cornerstone Bank, Springfield, OH, pursuant 

to Section 4(c)(8) of the Bank Holding Company Act and 

Wesbanco Bank, Wheeling, WV to merge with Cornerstone 

Bank, pursuant to Section 18(c) of the Federal Deposit Insurance 

Act and incident thereto establish branch facilities pursuant to 

Section 9 of the Federal Reserve Act.

Newspaper – 06/17/2004

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
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, June 12, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch CommerceFirst Bank, Annapolis, Maryland, to establish a 

branch at 4451 Parliament Place, Lanham, Maryland.*

Newspaper – 06/29/2004

18(c) Gateway Bank & Trust Co., Elizabeth City, North Carolina, to 

purchase three branch offices of Provident Bank of Maryland, 

Baltimore, Maryland, located in Elizabeth City, North Carolina, 

and Emporia and Suffolk, Virginia.*

Newspaper – 07/03/2004

*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, June 12, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

located at 18940 S. Tamiami Trail, Fort Myers, Florida, to be 

known as the South Fort Myers Branch.*

Newspaper – 06/16/2004

Branch Pointe Bank, Boca Raton, Florida, to establish a branch located 

at 3386 South Douglas Road, Space B, Miami, Florida, to be 

known as the West Grove Branch.*

Newspaper – 06/14/2004

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

located at 18224 Highland Road, Baton Rouge, Louisiana, to be 

known as Highland Perkins Branch.*

Newspaper – 06/18/2004

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

located at the intersection of Culebra Road and Loop 1604 San 

Antonio, Texas, to be known as the San Antonio-Culebra.*

Newspaper – 06/11/2004

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

branch in Huntsville, Alabama, to be known as the Huntsville 

Courier Branch.*

Newspaper – 06/18/2004

Branch First Community Bank, Debary, Florida, to establish a branch 

located at 101 Clyde Morris Boulevard, Ormond Beach, 

Florida, to be known as the Ormond in the Pines Office.*

Newspaper – N/Avail

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

establish a branch located at 6225 E. State Road 64, Bradenton, 

Florida.*

Newspaper – N/Avail

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

located at 3325 Sugarloaf Parkway, Lawrenceville, Georgia.*

Newspaper – N/Avail

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

located at 5300 United Drive, Smyrna, Georgia.*

Newspaper – N/Avail

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

located at 3364 Hamilton Mill Road, Buford, Georgia.*

Newspaper – N/Avail

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

located at 125 Glenridge Point Parkway, Atlanta, Georgia.*

Newspaper – N/Avail

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

40 Shining Willow Way, La Plata, Maryland, to be known as the 

La Plata Safeway Office.*

Newspaper – 06/13/2004
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 

2365 Parr Drive, The Villages, Florida, to be known as the The 

Villages of Sumter.*

Newspaper – N/Avail

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

2730 Race Track Road, Jacksonville, Florida, to be known as the 

Julington Creek Office.*

Newspaper – N/Avail

*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

CIC Liberty Bancorporation, Longwood, Florida, prior change in

control notification filed by C. David Brown, II, Windermere, 

Florida; Tracy S. Forrest, Winter Park, Florida; Jeffry B. Fuquo 

and Michael J. Nelson, both of Orlando, Florida; to collective ly

acquire up to 100 percent of outstanding shares of Liberty

Bancorporation, and its subsidiary, Liberty National Bank, both 

of Longwood, Florida.

Newspaper – N/Avail

Fed Reg – N/Avail

CIC Pointe Financial Corporation, Boca Raton, Florida, after-the-fact 

change in control notice filed by Clarita Kassin, Miami, Florida, 

Leon Papú, Barranquilla, Colómbia, Samuel Papú, Miami,

Florida, Dorita Ojalvo, Miami, Florida, and Salomon Kassin, 

Miami, Florida, to collectively retain 16.13 percent of the

outstanding shares of Pointe Financial Corporation, and its

subsidiary, Pointe Bank, both of Boca Raton, Florida.

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(1) PCNB Bancshares, Inc., Bremen, Georgia, to become a bank 

holding company by acquiring 100 percent of the outstanding 

shares of Peoples Community National Bank, Bremen,

Georgia.*

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

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 12, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch HomeFederal Bank, Columbus, Indiana, to establish branch 

facilities to be located at 1510 West Southport Road, 

Indianapolis, Indiana, and 1801 Greensburg Crossing, 

Greensburg, Indiana.*

Newspaper – N/Avail

Branch Johnson Bank, Racine, Wisconsin, to establish a branch facility 

to be located at 8202 Highview Drive, Madison, Wisconsin.*

Newspaper – 06/08/2004

Branch Town & Country Bank of Springfield, Springfield, Illinois, to 

establish a branch facility to be located at 2601 North Dirksen 

Parkway, Springfield, Illinois.*

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) Central Wisconsin Financial Services, Inc., Wausau, Wisconsin, 

to become a bank holding company by acquiring 100 percent of 

the voting shares of Bank of Wausau, Wausau, Wisconsin.*

Fed Reg – N/Avail

Newspaper – N/Avail

CIC Notice by Darin J. Johnson, Sutherland, Iowa, to gain control of 

Old O'Brien Banc Shares, Inc., Sutherland, Iowa, and thereby 

indirectly Security State Bank, Sutherland, Iowa, and Hawarden 

Banking Company, Hawarden, Iowa.

Fed Reg – 05/26/2004

Newspaper – N/Avail

3(a)(3) Parkway Bancorp, Inc., Harwood Heights, Illinois, to acquire 

100 percent of the voting shares of United Arizona Bank, 

National Association, Cave Creek, Arizona.*

Fed Reg – 06/07/2004

Newspaper – N/Avail

CIC Notice by Paul E. Menzel, Hartland, Wisconsin, to retain 19.32 

percent of Ridgestone Financial Services, Inc., Brookfield, 

Wisconsin, and thereby indirectly control Ridgestone Bank, 

Brookfield, Wisconsin.

Fed Reg – 06/03/2004

Newspaper – N/Avail

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

Kimberly Ann Richardson, Atlanta, Georgia, to acquire control 

of Wellington Bancorp, Inc., Springfield, Illinois, and thereby 

indirectly acquire Community Bank, Hoopeston, Illinois.

Fed Reg – 06/16/2004

Newspaper – 06/14/2004
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) Wintrust Financial Corporation, Lake Forest, Illinois, to acquire 100 

percent of the voting shares of Northview Financial Corporation, 

Northfield, Illinois, and thereby indirectly acquire Northview Bank & 

Trust, Northfield, Illinois.*

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.
Section V – Availability of CRA public evaluations

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 12, 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

3A3 Sun Financial Corporation, St. Peters, Missouri, to acquire 98 

percent of Citizens Home Bank, Greenfield, Missouri.*

Newspaper – 07/17/2004

Fed Reg – 07/12/2004

* 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 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, June 12, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) & Branch Pioneer Bank, Mapleton, Minnesota, proposes to purchase the 

assets and assume the liabilities of the North Mankato, 

Minnesota, branch of the 21st Century Bank, Ham Lake, 

Minnesota, and incident thereto establish a branch at 1735 

Commerce Drive, North Mankato, 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 Charles Dale Shonkwiler, Hamilton, Montana, to acquire control 

of Ravalli County Bankshares, Inc., Hamilton, Montana, and 

thereby indirectly acquire control of Ravalli County Bank, 

Hamilton, Montana, and West One Bank Kalispell, Montana.

Fed Reg – 06/23/2004

Newspaper – 06/21/2004

3(a)(1) & 4(c)(8) Western Transaction Corporation, Duluth, Minnesota, to become 

a bank holding company by acquiring 100% of Western 

National Bank, Duluth, Minnesota; and 100% of Cass Lake 

Company, Duluth, Minnesota; and thereby indirectly acquiring 

The First National Bank of Cass Lake, Cass Lake, Minnesota. 

Applicant also proposes to acquire 100% of Premier Credit 

Corporation, Duluth, Minnesota, an industrial loan company, 

and, through Cass Lake Company, Duluth, Minnesota, to engage 

in insurance agency activities in a town with a population not 

exceeding 5,000.*

Fed Reg – 07/06/2004

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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, June 12, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Central Bank of Missouri, Sedalia, Missouri, to establish a 

branch at the southeast corner of Big Bear Avenue and Range 

Line Road, Columbia, Missouri.

Newspaper – 06/10/2004

Branch 1

st Bank and Trust, Broken Bow, Oklahoma, to establish a 

branch at 1912 E. Washington, Idabel, Oklahoma.

Newspaper – 06/21/2004

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

Type Application

Ending date of

comment period

3(a)(3) First Centralia Bancshares, Inc., Centralia, Kansas, to directly 

acquire up to 14.33 percent of the voting shares of Century 

Capital Financial, Inc., Kilgore, Texas, parent of Century Capital 

Financial-Delaware, Inc., Wilmington, Delaware, parent of City 

National Bank, Kilgore, Texas.

Newspaper – 06/25/2004

Fed Reg – 07/06/2004

3(a)(3) First Centralia Bancshares, Inc., Centralia, Kansas, to indirectly 

acquire up to 35.80 percent of the voting shares of Century 

Capital Financial, Inc., Kilgore, Texas, held through Morrill 

Bancshares, Inc., Merriam, Kansas.

Newspaper – 06/25/2004

Fed Reg – 07/06/2004

3(a)(3) First Centralia Bancshares, Inc., Centralia, Kansas, to indirectly 

acquire up to 77.74 percent of the voting shares of FBC 

Financial Corp., Claremore, Oklahoma, held through Morrill 

Bancshares, Inc., Merriam, Kansas, thereby also indirectly 

acquiring up to 14.33 percent of the voting shares of Century 

Capital Financial, Inc., Kilgore, Texas.

Newspaper – 06/25/2004

Fed Reg – 07/06/2004

3(a)(3) Morrill Bancshares, Inc., Merriam, Kansas, to directly acquire 

up to 35.80 percent of the voting shares of Century Capital 

Financial, Inc., Kilgore, Texas, parent of Century Capital 

Financial-Delaware, Inc., Wilmington, Delaware, parent of City 

National Bank, Kilgore, Texas.

Newspaper – 06/25/2004

Fed Reg – 07/06/2004
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) Morrill Bancshares, Inc., Merriam, Kansas, to directly acquire 

up to 77.74 percent of the voting shares of FBC Financial Corp., 

Claremore, Oklahoma, and thereby indirectly acquire up to 

14.33 percent of the voting shares of Century Capital Financial,

Inc., Kilgore, Texas.

Newspaper – 06/25/2004

Fed Reg – 07/06/2004

3(a)(3) Davis Bancorporation, Inc., Davis, Oklahoma, to directly 

acquire up to 17.90 percent of the voting shares of Century 

Capital Financial, Inc., Kilgore, Texas, parent of Century Capital 

Financial-Delaware, Inc., Wilmington, Delaware, parent of City 

National Bank, Kilgore, Texas.

Newspaper – 06/25/2004

Fed Reg – 07/06/2004

4(c)(8) First Centralia Bancshares, Inc., Centralia, Kansas, to indirectly 

acquire up to 77.74 percent of the voting shares of FBC 

Financial Corporation, Claremore, Oklahoma, parent of 1st Bank 

Oklahoma, a Federal Savings Bank, held through Morrill 

Bancshares, Inc., Merriam, Kansas.

Newspaper – 06/25/2004

Fed Reg – 07/06/2004

4(c)(8) Morrill Bancshares, Inc., Merriam, Kansas, to directly acquire 

up to 77.74 percent of the voting shares of FBC Financial 

Corporation, Claremore, Oklahoma, parent of 1st Bank 

Oklahoma, a Federal Savings Bank.

Newspaper – 06/25/2004

Fed Reg – 07/06/2004

CIC Notice by Betty Margret Wheeler, Durant, Oklahoma, to retain 

control of FNB Financial Services, Inc., Durant, Oklahoma, 

parent of The First National Bank in Durant, Durant, Oklahoma 

and First Texoma Bank, Sherman, Texas.

Newspaper – 06/26/2004

Fed Reg – 06/25/2004

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

Premises 1

st Bank and Trust, Broken Bow, Oklahoma, 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

64552 Bank 2

909 S. Meridian

Oklahoma City, Oklahoma 73108

03/22/2004 06/07/2004 S X

3120897 Heritage Bank

3024 SW Wanamaker

Topeka, Kansas 66614

03/24/2004 06/07/2004 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, June 12, 2004

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 at 417 

South International Boulevard, Weslaco, TX 78596*

Newspaper – 06/19/2004

* 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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, June 12, 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)(1) Pacific International Bancorp, Inc., Seattle, Washington, to 

become a bank holding company by acquiring at least 67 percent 

of Pacific International Bank, Seattle, Washington.*

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