H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 10 

Week Ending March 5, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions February 27, 2005 to March 5, 2005 

Testimony And Statements 

Economic Outlook and Current Fiscal Issues -- statement by Chairman Greenspan 

before the House Committee on the Budget. 

- Published, March 2, 2005 

Bank Holding Companies 

Toronto-Dominion Bank, Toronto, Canada -- commenter's request for 

reconsideration of the Board's order approving the application to acquire 51 percent 

of the shares of Banknorth Group, Inc., Portland, Maine, and its subsidiary, 

Banknorth, National Association. 

- Denied, March 4, 2005 

Forms 

Forms -- Final Board review to extend without revision the Recordkeeping 

Requirements Associated with the Real Estate Lending Standards Regulation for 

State Member Banks (Reg H-5); and to extend with revision the Ongoing 

Intermittent Survey of Households (FR 3016). 

- Approved, March 3, 2005 

Regulations And Policies 

Capital Treatment of Trust Preferred Securities -- final amendments to Regulations 

H and Y to allow the continued limited inclusion of trust preferred securities in the 

tier I capital of bank holding companies, subject to stricter limits and standards 

(Docket No. R-1193). 

- Approved, February 28, 2005 

Community Reinvestment Act Regulations -- final interagency technical revisions 

to conform the regulations to changes in the standards for defining metropolitan 

statistical areas and census tracts (Docket No. R-1205). 

- Approved, March 2, 2005 

Confidentiality of Supervisory Ratings -- issuance of interagency advisory 

statement. 

- Published, February 28, 2005 

Regulation CC (Availability of Funds and Collection of Checks) -- publication for 

comment of proposed amendments to define remotely created checks and create 

transfer and presentment warranties for such checks (Docket No. R-1226). 

- Approved, February 28, 2005 

(AC) = Addition or Correction Board - Page 1 of 2 
H.2 Board Actions February 27, 2005 to March 5, 2005 

Enforcement 

Huntington Bancshares Incorporated, Columbus, Ohio -- written agreement with the 

Federal Reserve Bank of Cleveland. 

- Announced, March 1, 2005 

PNC Bank, Pittsburgh, Pennsylvania, and Mellon Bank, N.A. -- issuance of a final 

decision and order of prohibition against Kenneth L. Coleman, a former employee 

of both institutions. 

- Announced, March 1, 2005 

(AC) = Addition or Correction Board - Page 2 of 2 
H.2 Actions under delegated authority February 27, 2005 to March 5, 2005 

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

C&CA Consumer and Community Affairs IF International Finance 

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

Bank Branches, Domestic 

Atlanta 

1st United Bank, Boca Raton, Florida -- to establish a branch at 335 South County 

Road, Palm Beach. 

- Approved, March 2, 2005 

Cleveland 

The Andover Bank, Andover, Ohio -- to establish a branch at 100 South Chestnut 

Street, Jefferson, and request to exceed the limit of investment in bank premises. 

- Approved, March 1, 2005 

Secretary 

Capital City Bank, Tallahassee, Florida -- to establish a branch at 2592 

Crawfordville Highway, Crawfordville. 

- Approved, March 1, 2005 

Secretary 

Comerica Bank, Detroit, Michigan -- to establish a branch at 1092 Blossom Hill 

Road, San Jose, California. 

- Approved, March 1, 2005 

Atlanta 

Pilot Bank, Tampa, Florida -- to establish a branch at 668 Oakfield Drive, Brandon. 

- Approved, March 3, 2005 

Richmond 

Prosperity Bank and Trust Company, Springfield, Virginia -- to operate a courier 

service in Burke, Chantilly, Fairfax, McLean, Springfield, Sterling, and 

Woodbridge. 

- Approved, March 3, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 6 
H.2 Actions under delegated authority February 27, 2005 to March 5, 2005 

Bank Holding Companies 

Chicago 

Capitol Bancorp, Ltd., Lansing, Michigan -- to acquire Capitol Development 

Bancorp Limited II and thereby acquire Bank of Bellevue, Bellevue, Washington, a 

de novo bank; and for Capitol Development Bancorp Limited II to become a bank 

holding company and to acquire 51 percent of the shares of Bank of Bellevue. 

- Returned, March 1, 2005 

Kansas City 

First Centralia Bancshares, Inc., Centralia, Kansas -- to acquire Corning Investment 

Company, Inc., Atchison, and thereby acquire Farmers State Bank of Corning, 

Corning. 

- Approved, March 2, 2005 

Kansas City 

First Liberty Capital Corporation Employee Stock Ownership Plan, Hugo, 

Colorado -- to acquire an additional 1.65 percent, for a total of 29.8 percent, of the 

shares of First Liberty Capital Corporation, parent of The First National Bank of 

Hugo. 

- Approved, March 3, 2005 

Cleveland 

Hometown Bancorp, Inc., Kent, Ohio -- to become a bank holding company and to 

acquire Home Savings Bank; and election to become a financial holding company. 

- Approved, February 28, 2005 

Dallas 

MNB Ventures, Inc., Mercedes, Texas -- to become a bank holding company and to 

acquire Mercedes Bancorp, Inc. and indirectly acquire Mercedes Delaware 

Financial Corporation, Dover, Delaware, and Mercedes National Bank, Mercedes. 

- Approved, March 2, 2005 

Kansas City 

Morrill Bancshares, Inc., Merriam, Kansas -- to acquire Nemaha Investment 

Company, Inc., Atchison, and thereby acquire First State Bank of Goff, Goff. 

- Approved, March 2, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 6 
H.2 Actions under delegated authority February 27, 2005 to March 5, 2005 

Bank Holding Companies 

St. Louis 

SouthernTrust Bancshares, Inc., Goreville, Illinois -- to become a bank holding 

company and to acquire SouthernTrust Bank, a de novo bank. 

- Withdrawn, February 28, 2005 

San Francisco 

Western Sierra Bancorp, Cameron Park, California -- to acquire Gold Country 

Financial Services, Inc., Marysville, and thereby acquire Gold Country, National 

Association. 

- Approved, February 28, 2005 

Change In Bank Control 

St. Louis 

BankTennessee, Collierville, Tennessee -- change in bank control. 

- Permitted, February 28, 2005 

Atlanta 

Great Financial Corporation, Miami Lakes, Florida -- change in bank control. 

- Withdrawn, March 3, 2005 

Kansas City 

Olathe Bancorporation, Inc., Olathe, Colorado -- change in bank control. 

- Permitted, March 2, 2005 

Atlanta 

TCB Bancshares, Inc., Crawford, Georgia -- change in bank control. 

- Permitted, March 3, 2005 

Competitive Factors Reports 

San Francisco 

Cashmere Valley Bank, Cashmere, Washington -- report on competitive factors of 

the proposed merger with Interim Cashmere Valley Bank. 

- Submitted, March 3, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 6 
H.2 Actions under delegated authority February 27, 2005 to March 5, 2005 

Competitive Factors Reports 

Chicago 

Community Savings Bank, Edgewood, Iowa -- report on competitive factors of the 

proposed merger with Community Savings Bank, Robins. 

- Submitted, February 28, 2005 

San Francisco 

First Hawaiian Bank, Honolulu, Hawaii -- report on competitive factors of the 

proposed merger with First Hawaiian Insurance, Inc. 

- Submitted, March 3, 2005 

Dallas 

Franklin Bank, S.S.B., Houston, Texas -- report on competitive factors of the 

proposed merger with First National Bank of Athens, Athens. 

- Submitted, March 2, 2005 

Dallas 

Franklin Bank, S.S.B., Houston, Texas -- report on competitive factors of the 

proposed merger with Elgin Bank of Texas, Elgin. 

- Submitted, March 3, 2005 

Dallas 

Independent Bank, Coupland, Texas -- report on competitive factors of the 

proposed acquisition of the Waco branch of Independent Bank, McKinney. 

- Submitted, February 28, 2005 

San Francisco 

Los Padres Bank, Solvang, California -- report on competitive factors of the 

proposed acquisition of the Thousand Oaks branch of Western Financial Bank, 

Irvine. 

- Submitted, March 4, 2005 

Atlanta 

Mountain Valley Community Bank, Cleveland, Georgia -- report on competitive 

factors of the proposed merger with MVCB Interim Corporation. 

- Submitted, March 3, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 6 
H.2 Actions under delegated authority February 27, 2005 to March 5, 2005 

Competitive Factors Reports 

Chicago 

NSTS Financial Corporation, Waukegan, Illinois -- report on competitive factors of 

the proposed acquisition of North Shore Trust and Savings. 

- Submitted, March 1, 2005 

St. Louis 

Renasant Bank, Tupelo, Mississippi -- report on competitive factors of the proposed 

merger with Renasant Bank of Tennessee, Germantown, Tennessee. 

- Submitted, March 3, 2005 

San Francisco 

Sincere Federal Savings Bank, San Francisco, California -- report on competitive 

factors of the proposed merger with Guaranty Interim Federal Savings Bank, Los 

Angeles. 

- Submitted, March 3, 2005 

Dallas 

Texas Republic Bank, National Association, Quanah, Texas -- report on 

competitive factors of the proposed merger with Texas Republic Interim Bank, N. 

A., Frisco. 

- Submitted, March 1, 2005 

Chicago 

Two Rivers Bank and Trust, Johnston, Iowa, a de novo bank -- report on 

competitive factors of the proposed merger with the Johnston branch of Burlington 

Bank and Trust, Burlington. 

- Submitted, February 28, 2005 

Extensions Of Time 

Minneapolis 

Dacotah Bank, Aberdeen, South Dakota -- extension to June 2, 2005, to merge with 

Dacotah Bank, Rolla, North Dakota; and Dacotah Bank, Valley City, and thereby 

establish seven branches. 

- Granted, March 2, 2005 

(AC) = Addition or Correction Delegated - Page 5 of 6 
H.2 Actions under delegated authority February 27, 2005 to March 5, 2005 

Extensions Of Time 

Kansas City 

First Centralia Bancshares, Inc., Centralia, Kansas -- extension to June 9, 2005, to 

acquire up to 8.30 percent of the shares of Morrill Bancshares, Inc., Merriam, 

Kansas, and thereby acquire Morrill and Janes Bank & Trust Company; City 

National Bank, Kilgore, Texas; and 1st Bank Oklahoma, Claremore, Oklahoma. 

- Granted, March 2, 2005 

Cleveland 

S&T Bancorp, Inc., Indiana, Pennsylvania -- extension to June 6, 2005, to acquire 

up to 24.99 percent of the shares of Allegheny Valley Bancorp, Inc., Pittsburgh. 

- Granted, March 4, 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, March 5, 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, March 5, 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

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 Second Quarter of 2005

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, March 5, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Woodlands Bank, Williamsport, PA, to establish a branch 

facility to be located at 1146 Alleghany Street, Jersey 

Shore, Lycoming Co, PA.

Newspaper – 03/20/2005

Branch Lafayette Ambassador Bank, Easton, PA, to establish a 

branch facility to be located at 1127 Chestnut Street, 

Emmaus, PA.

Newspaper – N/Avail

Branch Sterling Bank, Mount Laurel, NJ, to establish a branch 

facility to be located at the intersection of Kresson Road 

and Centennial Boulevard, in the Main Street development, 

Voorhees, NJ.

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, March 5, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

3443 East State Road 32, Westfield, IN.

Newspaper – 03/09/2005

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

3360 Tittabawasse Road, Saginaw, MI. 

Newspaper – 03/09/2005

*Branch Fifth Third Bank, Cincinnati, OH to establish a branch at 1923 

Dorothy Lane, Moraine, OH.

Newspaper – 03/04/2005

*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 – N/Avail

*3(a)(3) S&T Bancorp, Indiana, Pennsylvania, proposes to acquire up to 

9.9 percent of CBT Financial Corporation, Clearfield, 

Pennsylvania, and indirectly, its wholly-owned subsidiary, 

Clearfield Bank & Trust Company, Clearfield, Pennsylvania

Newspaper – 03/24/2005

Fed Reg – 03/28/2005

*3(a)(3) *3(a)(5)

*18(c) &*Branch

Sky Financial Group, Inc., Bowling Green, Ohio, proposes to 

acquire 100 percent of Belmont Bancorp, Inc., Bridgeport, Ohio, 

and thereby indirectly acquire Belmont National Bank, 

Wheeling, West Virginia 

Newspaper – 03/23/2005

Fed Reg – 03/28/2005

*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

3(a)(1) Notification by SSNB, Inc., Lancaster, OH to become a bank 

holding company by acquiring the voting shares of Standing 

Stone National Bank, Lancaster, OH.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, March 5, 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

CIC Notice of Change in Control filed by Mr. Hylton, Wright, Betty 

Wright, Tamara Thomas, Loudene Riggs, Alease Lambert, and 

Evelyn Wright as a group to control up to 19.65% of the voting 

shares of Surrey Bancorp, Mount Airy, North Carolina.*

Fed Reg – 03/17/2005

Newspaper – 03/14/2005

3(a)(1) Southern National Bancorp of Virginia, Inc., Charlottesville,

Virginia, to become a bank holding company through the

acquisition of 100% of the voting shares of Sonabank N. A.,

Charlottesville, Virginia (in organization).*

Fed Reg – 03/25/2005

Newspaper – 03/18/2005

*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

24(A) Farmers Bank, Windsor, Virginia, 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

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, March 5, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Capital City Bank, Tallahassee, Florida, to merge with First 

National Bank of Alachua, Alachua, Florida.*

Newspaper – N/Avail

18(c) First American Bank, Decatur, Alabama, to merge with First 

Citizens Bank, Talladega, Alabama.*

Newspaper – N/Avail

Branch The Peoples Bank & Trust Company, Selma, Alabama, to 

establish a branch located at 401 19th Street North, Suite 111, 

Bessemer, Alabama.*

Newspaper – 03/25/2005

Branch The Peoples Bank & Trust Company, Selma, Alabama, to 

establish a branch located at 1784 Taliaferro Trail, Montgomery, 

Alabama.*

Newspaper – 03/25/2005

Branch The Peoples Bank & Trust Company, Selma, Alabama, to 

establish a branch located at 7167 Highway 22 North, Valley 

Grande, Alabama.*

Newspaper – 03/25/2005

Branch The Peoples Bank & Trust Company, Selma, Alabama, to 

establish a branch located at Two Perimeter Park South, Suite 

440 West, Birmingham, Alabama.*

Newspaper – 03/25/2005

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

3653 Orlando Drive, Sanford, Florida, to be known as the 

Sanford Wal-Mart Money Center Office.*

Newspaper – 03/12/2005

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

3250 Vineland Road, Osceola, Florida, to be known as the 

Kissimmee Wal-Mart Money Center Office.*

Newspaper – 03/12/2005

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

1241 State Road 436, Unit 101, Casselberry, Florida, to be 

known as the Casselberry Wal-Mart Money Center Office.*

Newspaper – 03/12/2005

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

1700 S. Orange Blossom Trail, Apopka, Florida, to be known as 

the Apopka Wal-Mart Money Center Office.*

Newspaper – 03/12/2005

*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

CIC First Farmers Bancshares, Inc., Portland, Tennessee, prior 

change in control notice filed by Douglas Williams and Zella 

Irene Williams, both of Portland, Tennessee, to acquire an 

additional 0.65 percent of the outstanding shares of First 

Farmers Bancshares, Inc., and its subsidiary, Farmers Bank, both 

of Portland, Tennessee. Total ownership will equal 10.29 

percent.

Newspaper – 03/20/2005

Fed Reg – 04/24/2005

3(a)(5) Capital City Bank Group, Inc., Tallahassee, Florida, to merge 

with First Alachua Banking Corporation, and its subsidiary, First 

National Bank of Alachua, both of Alachua, Florida.*

Newspaper – 03/25/2005

Fed Reg – N/Avail

CIC Financial Corporation of Louisiana, Crowley, Louisiana, prior 

change in control notice filed by Financial Corporation of 

Louisiana Employee Stock Ownership Plan and Argent Trust, a 

division of National Independent Trust Company Trustee, to 

acquire 1.90 percent of the outstanding shares of Financial 

Corporation of Louisiana, Crowley, Louisiana, and its 

subsidiaries, First National Bank of Louisiana, Crowley, 

Louisiana, and Rayne State Bank & Trust Company, Rayne, 

Louisiana.

Newspaper – N/Avail

Fed Reg – N/Avail

4(c)(8) Firstrust Corporation, New Orleans, Louisiana, to acquire 100 

percent of the outstanding shares of Central Bank for Savings, 

Winona, Mississippi, and thereby engage in operating a savings 

association.*

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(3) Firstrust Corporation, New Orleans, Louisiana, to acquire 100 

percent of the outstanding shares of Central Bank for Savings, 

Winona, Mississippi.*

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, March 5, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Cole Taylor Bank, Rosemont, Illinois, to establish a branch 

facility to be located at 15014 S. LaGrange Road, Orland Park, 

Illinois.*

Newspaper – 03/04/2005

* 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)(3) & 3(a)(1) Capitol Bancorp, Ltd., Lansing, Michigan, to acquire 100 

percent of the voting shares of Capitol Development Bancorp 

Limited II, Lansing, Michigan, and thereby indirectly acquire 

Bank of Auburn Hills (in organization), Auburn Hills, Michigan, 

and by Capitol Development Bancorp Limited II, Lansing, 

Michigan, to become a bank holding company by acquiring 51 

percent of the voting shares of Bank of Auburn Hills (in 

organization), Auburn Hills, Michigan.*

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(3) & 3(a)(1) Capitol Bancorp, Ltd., Lansing, Michigan, to acquire 100 

percent of the voting shares of Capitol Bancorp Colorado 

Limited, Lansing, Michigan, and thereby indirectly acquire Fort 

Collins Commerce Bank (in organization), Fort Collins, 

Colorado, and by Capitol Bancorp Colorado Limited, Lansing, 

Michigan, to become a bank holding company by acquiring 51 

percent of the voting shares of Fort Collins Commerce Bank, 

Fort Collins, Colorado.*

Fed Reg – N/Avail

Newspaper – N/Avail

CIC Notice by Michael J. Rivers, Winona, Minnesota, to acquire 

approximately 22.07 percent of the voting shares of Central 

Wisconsin Financial Services, Inc., Wausau, Wisconsin, and

thereby indirectly acquire Bank of Wausau, Wausau, Wisconsin.

Fed Reg – 02/22/2005

Newspaper – N/Avail

CIC Notice by Jeffrey Dinklage, Wisner, Nebraska, to increase 

ownership of D & H Investments Corporation, Cherokee, Iowa, 

to 27.14 percent following the repurchase of 1,000 shares

Fed Reg – 03/22/2005

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

Type Application

Ending date of

comment period

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

Trust, Union Grove, Wisconsin, to increase its ownership of up 

to 33.24 percent of the voting shares of Union Bancorporation, 

Union Grove, Wisconsin, and thereby indirectly acquire 

Community State Bank, Union Grove, Wisconsin.* 

Fed Reg – 03/28/2005

Newspaper – 03/20/2005

3(a)(3) Great River Financial Group, Inc., Burlington, Iowa, to acquire 

100 percent of Two Rivers Bank and Trust (in organization), 

Johnston, Iowa.*

Fed Reg – 03/28/2005

Newspaper – N/Avail

3(a)(1) Independent Alliance Banks, Inc., Fort Wayne, Indiana, to 

become a bank holding company by acquiring 100 percent of the 

voting shares of Grabill Bancorp, Grabill, Indiana, and thereby 

indirectly acquire Grabill Bank, Grabill, Indiana, and Marbanc 

Financial Corporation, Markle, Indiana, and thereby indirectly 

acquire MarkleBank, Markle, Indiana.*

Fed Reg – 03/24/2005

Newspaper – 03/18/2005

CIC Notice by Everett D. Lawrence, Marshall, Illinois, acting in 

concert with Lawrence Gravel, Phyllis Lawrence, and Kim 

Schmidt, to retain control of the voting stock of Preferred 

Bancorp, Inc., Casey, Illinois, and thereby indirectly acquire 

Preferred Bank, Casey, Illinois.

Fed Reg – 03/24/2005

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 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

863746 Farmers & Merchants Savings Bank

101 E. Main St.

Manchester, Iowa 52057

(563) 927-4475

08/30/2004 02/07/2005 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, March 5, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3A3 Exchange National Bancshares, Inc., Jefferson City, Missouri, to 

acquire 100 percent of Bank 10, Belton, Missouri.*

Newspaper – N/Avail

Fed Reg – 04/01/2005

3A3 Home Bancshares, Inc., Conway, Arkansas, to acquire 20 

percent of White River Bancshares Company, Fayetteville, 

Arkansas (in organization), and thereby indirectly acquire 

Signature Bank of Arkansas, Fayetteville, Arkansas (formerly 

First Bank of South Arkansas, Camden, Arkansas).*

Newspaper – 03/27/2005

Fed Reg – 04/04/2005

3A3 Community First Bancshares, Inc., Harrison, Arkansas, to 

acquire 20 percent of White River Bancshares Company, 

Fayetteville, Arkansas (in organization), and thereby indirectly 

acquire Signature Bank of Arkansas, Fayetteville, Arkansas 

(formerly First Bank of South Arkansas, Camden, Arkansas).*

Newspaper – 03/27/2005

Fed Reg – 04/04/2005

3A1 White River Bancshares Company, Fayetteville, Arkansas, to 

become a bank holding company by acquiring 100 percent of 

Signature Bank of Arkansas, Fayetteville, Arkansas (formerly 

First Bank of South Arkansas, Camden, Arkansas).*

Newspaper – 03/28/2005

Fed Reg – 04/04/2005

3A3 First National Security Company, DeQueen, Arkansas, to 

acquire 100 percent of First Community Banking Corporation, 

Hot Springs, Arkansas, and thereby indirectly acquire First 

National Bank, Hot Springs, Arkansas; First National Bank in 

Mena, Mena, Arkansas; and First National Bank, Mount Ida, 

Arkansas.*

Newspaper – 04/04/2005

Fed Reg – 04/01/2005

* 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

2837059 Southern Bank of Commerce

Paragould, Arkansas

11/08/2004 03/02/2004 S X

277558 First State Bank of St. Robert

St. Robert, Missouri

11/29/2004 02/28/2005 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, March 5, 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

CIC Notice by William E. Blomster, Keri Hilgendorf and Lance 

Blomster all of Fairmont, Minnesota acting in concert to gain 

control of B & M Bancshares, Inc., Fairmont, Minnesota and 

thereby indirectly gain control of State Bank of Fairmont, 

Fairmont, Minnesota.

Fed Reg – 02/16/2005

Newspaper – 03/03/2005

3(a)(1) Bozeman Bancorp, Inc., Manhattan, Montana, to become a bank 

holding company by acquiring 100 percent of the voting shares 

of Bank of Bozeman, Bozeman, Montana.*

Fed Reg – 03/14/2005

Newspaper – 03/02/2005

3(a)(3) Security State Bank Holding Company, Jamestown, North 

Dakota, to acquire 100 percent of CNB, Inc., Walker, Minnesota 

and thereby indirectly acquire Centennial National Bank, 

Walker, Minnesota.*

Fed Reg – 03/28/2005

Newspaper – 03/21/2005

* 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, March 5, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Republic Bancorp, Inc., Munden, Kansas, to become a bank 

holding company through the acquisition of 99.72 percent of the 

voting shares of National Family Bank, Munden, Kansas.

Newspaper – 04/02/2005

Fed Reg – 03/28/2005

3(a)(3) Young Partners, L.P. and Young Corporation, both of 

Chillicothe, Missouri, to indirectly acquire, and Citizens 

Bancshares Co., Chillicothe, Missouri, to directly acquire an 

additional 11.6 percent, for a total of 23.3 percent of the voting 

shares of First Community Bancshares, Inc., Overland Park, 

Kansas, parent of First Community Bank, Lee's Summit, 

Missouri.

Newspaper – 03/27/2005

Fed Reg – 04/04/2005

3(a)(3) Young Partners, L.P. and Young Corporation, both of 

Chillicothe, Missouri, to indirectly acquire, and Citizens 

Bancshares Co., Chillicothe, Missouri, to directly acquire an 

additional 2.06 percent, for a total of 6.95 percent of the voting 

shares of Clayco Banc Corporation, parent of CSB Bank, both in 

Claycomo, Missouri.

Newspaper – 03/27/2005

Fed Reg – 04/04/2005

CIC Notification by Daniel Buford, Stephen Buford, Sam Buford, 

Ernest Dillard, Sheila Dillard, Aaron Dillard, and Hannah 

Dillard, all of Tulsa, Oklahoma; Sharon Linsenmeyer, Beatrice, 

Nebraska; and Sarah Dillard, Tampa, Florida, to acquire control 

of Healthcare Bancorp, Inc., parent of First BankCentre, both of 

Broken Arrow, Oklahoma.

Newspaper – N/Avail

Fed Reg – 03/25/2005

CIC Notification by Bill D. Inhofe, Muskogee, Oklahoma, to acquire 

control of Boynton Holding Company, parent of Territory Bank, 

both in Muskogee, Oklahoma.

Newspaper – N/Avail

Fed Reg – 02/22/2005
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

Withdrawal from 

Membership

Bank of Nebraska, La Vista, Nebraska requests to waive the

6-month notice of membership withdrawal.

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

2451 Thunder Bank

102 N. Main Street

Sylvan Grove, Kansas 67481

12/06/2004 03/02/2005 O X

343051 Bank of Eufaula

102 N. Main Street

Eufaula, Oklahoma 74432-2426

12/06/2004 03/02/2005 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, March 5, 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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, March 5, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Valley Independent Bank, El Centro, California, to establish a 

branch facility to be located at 10100 Trinity Parkway, Suite 

400, Stockton, California.*

Newspaper – 03/10/2005

* 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) Pacific Coast National Bancorp, San Clemente, California, to 

become a bank holding company by acquiring 100 percent of 

Pacific Coast National Bank (In Organization), San Clemente, 

California.*

Newspaper – 03/25/2005

Fed Reg – 04/04/2005

3(a)(3) FNB Bancorp, South San Francisco, California, to acquire 100 

percent of Sequoia National Bank, San Francisco, California.*

Newspaper – N/Avail

Fed Reg – 04/04/2005

* 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

3(a)(5)(C) Syringa Bancorp, Boise, Idaho, to become a bank holding 

company by acquiring 100 percent of Syringa Bank, Boise, 

Idaho.
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