Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 2

Week Ending January 8, 2005

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions January 2, 2005 to January 8, 2005

Discount Rates

Discount and Advance Rates -- establishment without change by twelve Federal Reserve 

Banks of the primary credit rate, and renewal by those Reserve Banks of the formulas for 

calculating the secondary and seasonal credit rates.

- Approved, January 3, 2005 

Enforcement

Prineville Bancorporation, Prineville, Oregon, and Community First Bank -- written 

agreement with the Oregon Division of Financial and Corporate Securities and the 

Federal Reserve Bank of San Francisco.

- Announced, January 5, 2005 

(AC) = Addition or Correction Board - Page 1 of 1
January 2, 2005 to January 8, 2005

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

Adirondack Bank, Utica, New York -- to establish a branch at The University Building, 

120 East Washington Street, Syracuse.

- Approved, January 5, 2005 

New York

The Freedom Bank of Virginia, Vienna, Virginia -- to establish a branch at 10555 Main 

Street, Fairfax.

- Approved, January 5, 2005 

Richmond

Frontier Bank, Everett, Washington -- to establish a branch at 128 East Holly Street, 

Bellingham.

- Approved, January 5, 2005 

San Francisco

Peoples Bank & Trust Co., Troy, Missouri -- to establish a branch at 106 South Main 

Street, Elsberry.

- Approved, January 7, 2005 

St. Louis

Regions Bank, Birmingham, Alabama -- to establish branches at Pooler Parkway and 

Park Avenue, Pooler, Georgia; 6-A Skidaway Village Walk, Savannah; and 21 Music 

Square West, Nashville, Tennessee.

- Approved, January 4, 2005 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish branches at 500 East Alice Street, 

Bainbridge; 5315 Cortez Road West, Bradenton, Florida; and 10500 West Colonial 

Drive, Ocoee.

- Approved, January 6, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority January 2, 2005 to January 8, 2005

Bank Holding Companies

Banco Bilbao Vizcaya Argentaria, S.A., Bilbao, Spain -- commenter's request to extend 

the comment period on the application to acquire Laredo National Bancshares, Inc., 

Laredo, Texas, and thereby indirectly acquire The Laredo National Bank and South 

Texas National Bank of Laredo.

- Denied, January 7, 2005 

Secretary

Community Bancshares of Mississippi, Inc. Employee Stock Ownership Plan, Brandon, 

Mississippi -- to become a bank holding company and to acquire shares of Community 

Bancshares of Mississippi, Inc. and its subsidiary, Community Bank of Mississippi, Forest.

- Withdrawn, January 4, 2005 

Atlanta

Excel Bancorp LLC, New York, New York -- to become a bank holding company and 

to acquire 96.93 percent of the shares of Excel Bank N.A.

- Withdrawn, January 7, 2005 

New York

Home Bancshares, Inc., Conway, Arkansas -- to acquire an additional 68 percent of the 

shares of TCBancorp, Inc., North Little Rock, and thereby acquire Twin City Bank.

- Approved, January 6, 2005 

St. Louis

MidWestOne Financial Group ESOP, Oskaloosa, Iowa, and MidWestOne Financial 

Group, Inc. -- to retain MidWestOne Investment Services, Inc.

- Approved, January 7, 2005 

Chicago

Porter Bancorp, Inc., Shepherdsville, Kentucky -- to acquire Citizens Financial Bank, 

Inc., Glasgow.

- Approved, January 7, 2005 

St. Louis

Royal Financial, Inc., Chicago, Illinois -- to become a bank holding company and to 

acquire Royal Savings Bank.

- Approved, January 5, 2005 

Chicago

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority January 2, 2005 to January 8, 2005

Change In Bank Control

NBOG Bancorporation, Inc., Gainesville, Georgia -- to retain control of NBOG 

Bancorporation, Inc. and its subsidiary, National Bank of Gainesville.

- Withdrawn, January 6, 2005 

Atlanta

Competitive Factors Reports

Center Bank, Los Angeles, California -- report on competitive factors of the proposed 

merger with Center Savings Bank of Washington, Lynnwood, Washington, a de novo 

bank.

- Submitted, January 5, 2005 

San Francisco

The Central Bank USA, Inc., Greensburg, Kentucky -- report on competitive factors of 

the proposed merger with Citizens Financial Bank, Inc., Glasgow.

- Submitted, January 3, 2005 

St. Louis

Citizens Business Bank, Ontario, California -- report on competitive factors of the 

proposed merger with Granite State Bank, Monrovia.

- Submitted, January 7, 2005 

Secretary

First Citizens Bank and Trust Company, Inc., Columbia, South Carolina -- report on 

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

liabilities of the Bennettsville, Darlington, and Florence branches of Mutual Savings Bank, 

Hartsville.

- Submitted, January 3, 2005 

Richmond

First Citizens Bank and Trust Company, Inc., Columbia, South Carolina -- report on 

competitive factors of the proposed merger with People's Community Bank of South 

Carolina, Aiken.

- Submitted, January 7, 2005 

Richmond

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority January 2, 2005 to January 8, 2005

Competitive Factors Reports

Frandsen Bank & Trust, Lonsdale, Minnesota -- report on competitive factors of the 

proposed merger with Valley Bank Dundas, Dundas.

- Submitted, January 3, 2005 

Minneapolis

HSBC Bank USA, National Association, Wilmington, Delaware -- reports on 

competitive factors of the proposed merger with Bank of Bermuda Limited, New York, 

New York, and Global Fund Services (San Francisco) Limited, San Francisco, California.

- Submitted, January 4, 2005 

New York

North Penn Bank, Scranton, Pennsylvania -- report on competitive factors of the 

proposed merger with NPB Interim Stock Bank.

- Submitted, January 7, 2005 

Philadelphia

Peoples State Bank, Augusta, Wisconsin -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the Fall Creek branch of 

M&I Marshall and Ilsley Bank, Milwaukee.

- Submitted, January 4, 2005 

Minneapolis

Prosperity Bank, El Campo, Texas -- report on competitive factors of the proposed 

merger with FirstCapital Bank, SSB, Corpus Christi.

- Submitted, January 4, 2005 

Dallas

Riverview Community Bank, Camas, Washington -- report on competitive factors of the 

proposed merger with American Pacific Bank, Portland, Oregon.

- Submitted, January 5, 2005 

San Francisco

Security State Bank of Lewiston, Lewiston, Minnesota -- report on competitive factors of 

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

Rushford State Bank, Rushford.

- Submitted, January 7, 2005 

Minneapolis

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority January 2, 2005 to January 8, 2005

Extensions Of Time

National Bancshares, Inc., Bettendorf, Iowa -- extension to April 7, 2005, to acquire The 

National Bank, Edina, Minnesota, a de novo bank.

- Granted, January 5, 2005 

Chicago

Financial Holding Companies

MidWestOne Financial Group ESOP, Oskaloosa, Iowa, and MidWestOne Financial 

Group, Inc. -- elections to become financial holding companies.

- Effective, January 7, 2005 

Chicago

Portage Bancshares, Inc., Ravenna, Ohio -- election to become a financial holding 

company.

- Effective, January 6, 2005 

Cleveland

(AC) = Addition or Correction Delegated - Page 5 of 5
District 1 

Federal Reserve Bank of Boston 

Applications and notifications filed during the week ending Saturday, January 8, 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) Benjamin Franklin Bancorp, Inc., Franklin, Massachusetts - 

relating to the conversion of Benjamin Franklin Bancorp, 

M.H.C., Franklin, Massachustts from mutual to stock form and 

the acquisition by the former of Benjamin Franklin Bank 

(formerly Benjamin Franklin Savings Bank), Franklin, 

Massachusetts 

Newspaper – 01/21/2005

Fed Reg – 01/21/2005 

3(a)(1) GSB, MHC, Greenfield, Massachusetts - request for prior 

approval to become a bank holding company through the 

acquisition of 100% of the voting shares of Greenfield Savings 

Bank, Greenfield, Massachusetts 

Newspaper – N/Avail 

Fed Reg – 01/10/2005 

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of 

comment period

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

Type Application

None 

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding 

S = Satisfactory 

NI = Needs to improve 

SN = Substantial noncompliance 

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

RSSD Exam type

number Institution/Location

Examination 

date

CRA 

public date

CRA 

rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 2 

Federal Reserve Bank of New York 

Applications and notifications filed during the week ending Saturday, January 8, 2005 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

FBSEA Bank of Baroda, Mumbai, India, to establish a state-licensed 

branch in Houston, Texas. 

Newspaper – N/Avail 

FBSEA MacQuarie Bank Ltd., Sydney, Australia, to establish additional 

representative offices in Irvine, California, Los Angeles, 

California, and Seattle, Washington. 

Newspaper – N/Avail 

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

Type Application

Ending date of 

comment period

4C8 First Bancorp, San Juan, Puerto Rico, to acquire 100% of the 

outstanding shares of Ponce General Corporation, a Savings and 

Loan Holding Company organized under the laws of Delaware 

and its subsidiaries UniBank, a federally chartered savings and 

loan association and Ponce Realty, a real estate holding 

corporation organized under the laws of Delaware. 

Newspaper – 01/23/2005

Fed Reg – 02/07/2005 

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

4C8 Fubon Financial Holding Co., Ltd., Taiwan, to engage de novo 

in certain limited securities activities through its indirect whollyowned subsidiaries, Fubon Securities USA LLC and Fubon 

Asset Management USA LLC. 

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, January 8, 2005 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

None 

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

Type Application

Ending date of 

comment period

None 

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of 

comment period

None 

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

Type Application

None 
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding 

S = Satisfactory 

NI = Needs to improve 

SN = Substantial noncompliance 

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

RSSD Exam type

number Institution/Location

Examination 

date

CRA 

public date

CRA 

rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 4 

Federal Reserve Bank of Cleveland 

Applications and notifications filed during the week ending Saturday, January 8, 2005 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

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

Citizens First State Bank, Hartford City, Indiana, pursuant to 

section 18(c) of the Federal Deposit Insurance Act and incident 

thereto, establish branch offices. 

Newspaper – N/Avail 

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

at 101 River Road, Barboursville, WV. 

Newspaper – 12/30/2004 

*Subject to the provisions of the Community Reinvestment Act 

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

Type Application

Ending date of 

comment period

*3(a)(5) Oak Hill Financial, Inc., Jackson, Ohio, to acquire 100 percent 

of Lawrence Financial Holdings, Inc., Ironton, Ohio, and 

thereby indirectly acquire Lawrence Federal Savings Bank, 

Ironton, Ohio. 

Newspaper – 02/05/2005

Fed Reg – N/Avail 

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

percent of IBT Bancorp, Inc., Irwin, Pennsylvania, and thereby 

indirectly acquire Irwin Bank & Trust Company, Irwin, 

Pennsylvania. 

Newspaper – 01/29/2005

Fed Reg – 01/27/2005 

*Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of 

comment period

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

Type Application

None 

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding 

S = Satisfactory 

NI = Needs to improve 

SN = Substantial noncompliance 

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

RSSD Exam type

number Institution/Location

Examination 

date

CRA 

public date

CRA 

rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 5 

Federal Reserve Bank of Richmond 

Applications and notifications filed during the week ending Saturday, January 8, 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 6 

Federal Reserve Bank of Atlanta 

Applications and notifications filed during the week ending Saturday, January 8, 2005 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

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

Bank of Commerce of Birmingham, Birmingham, Alabama.* 

Newspaper – 01/24/2005 

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

2535 Apalachee Parkway, Tallahassee, Florida, to be known as 

the Parkway Wal-Mart Money Center Office.* 

Newspaper – 01/15/2005 

*Subject to provisions of the Community Reinvestment Act 

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

Type Application

Ending date of 

comment period

3(a)(1) American Enterprise Bankshares, Inc., Jacksonville, Florida, to 

become a bank holding company by acquiring 100 percent of the 

outstanding shares of American Enterprise Bank of Florida, 

Jacksonville, Florida.* 

Newspaper – 01/19/2005

Fed Reg – 01/26/2005 

3(a)(1) Community Bancshares of Mississippi, Inc. Employee Stock 

Ownership Plan, Brandon, Mississippi, to become a bank 

holding company by acquiring 58.6 percent of the Amory Series 

Bank Class Common Stock of Community Bancshares of 

Mississippi, Inc., Brandon, Mississippi.* 

Newspaper – N/Avail 

Fed Reg – 02/03/2005 

3(a)(3) Crescent Banking Company, Jasper, Georgia, to acquire 100 

percent of the outstanding shares of Futurus Financial Services, 

Inc., along with its wholly owned subsidiary, Futurus Bank, 

N.A., both of Alpharetta, Georgia.* 

Newspaper – 01/07/2005

Fed Reg – 01/31/2005 

3(a)(3) Seacoast Banking Corporation of Florida, Stuart, Florida, to 

acquire 100 percent of the outstanding shares of Century 

National Bank, Orlando, Florida.* 

Newspaper – 02/04/2005

Fed Reg – 02/04/2005 

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

Type Application

Ending date of 

comment period

None 

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

Type Application

None 

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding 

S = Satisfactory 

NI = Needs to improve 

SN = Substantial noncompliance 

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

RSSD Exam type

number Institution/Location

Examination 

date

CRA 

public date

CRA 

rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 7 

Federal Reserve Bank of Chicago 

Applications and notifications filed during the week ending Saturday, January 8, 2005 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

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

to be located at the northwest corner of Avery and Parmer, 

Austin, Texas, and at the intersection of Fluor Drive and State 

Highway 6, Sugarland, Texas.* 

Newspaper – 01/07/2005 

* 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) Alpha Financial Group, Inc. Employee Stock Ownership Plan, 

Toluca, Illinois, to increase its ownership up to 45.57 percent of 

Alpha Financial Group, Inc., Toluca, Illinois, and thereby 

indirectly acquire Alpha Community Bank, Toluca, Illinois.* 

Fed Reg – 02/03/2005 

Newspaper – N/Avail 

3(a)(5) American Central Bancorporation, Inc., Springfield, Illinois, to 

acquire 100 percent of the voting shares of American Central 

Financial Group, Inc., Springfield, Illinois, and thereby 

indirectly acquire The Bank, Charleston, Illinois, and Farmers 

State Bank of Fulton County, Lewistown, Illinois.* 

Fed Reg – 01/10/2005 

Newspaper – 01/08/2005 

3(a)(3) Arthur R. Murray, Inc., Milford, Illinois, to acquire 100 percent 

of the voting shares of Dewey State Bank, Dewey, Illinois.* 

Fed Reg – 02/03/2005 

Newspaper – 01/21/2005 

3(a)(3) C-B-G, Inc., West Liberty, Iowa, to acquire 24.35 percent of 

Washington Bancorp, Washington, Iowa, from two shareholders 

and thereby indirectly acquire Federation Bank, Washington, 

Iowa.* 

Fed Reg – 01/21/2005 

Newspaper – N/Avail 

3(a)(3) Country Bancorporation, Crawfordsville, Iowa, to acquire 100 

percent of White State Bank, South English, Iowa.* 

Fed Reg – 02/03/2005 

Newspaper – 01/29/2005 

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

Type Application

Ending date of 

comment period

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

acquire, indirectly through its wholly-owned subsidiary, 

Metavante Corporation, 100 percent of the outstanding capital 

stock of Prime Associates, Inc., Clark, New Jersey, and thereby 

indirectly engage in data processing activities and management 

consulting activities. 

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 

324340 ChoiceOne Bank 

109 E. Division 

Sparta, Michigan 49345 

(616) 887-7366 

08/02/2004 12/29/2004 S X 

791746 First Trust & Savings Bank 

100 W. Pine 

Marcus, Iowa 51035 

(712) 376-5511 

08/23/2004 01/04/2005 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, January 8, 2005 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch Arvest Bank, Fayetteville, Arkansas, to establish a branch 

facility to be located at the intersection of Southwest 19th Street 

and South Santa Fe Avenue, Moore, Oklahoma.* 

Newspaper – 01/14/2005 

18C & Branch Legacy Bank & Trust Company, Plato, Missouri, to merge with 

The Citizens Bank of Sparta, Sparta, Missouri, and to retain the 

acquired facility as a branch office.* 

Newspaper – 01/31/2005 

* Subject to the provisions of the Community Reinvestment Act 

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

Type Application

Ending date of 

comment period

CIC Notice by the Joseph Jay Gugger Trust, with Joseph Jay Gugger 

as trustee, both of Edwardsville, Illinois, to gain control of 

Clover Leaf Financial Corporation, Edwardsville, Illinois. 

Notice is also provided by the Gugger Control Group, which 

includes, the Joseph J. Gugger Trust, Joseph Jay Gugger as 

trustee, and the J & M Limited Partnership, Edwardsville, 

Illinois, Joseph Jay Gugger as General Partner, to gain control of 

Clover Leaf Financial Corporation. 

Newspaper – N/Avail 

Fed Reg – 01/28/2005 

CIC Notice by Magers Family Irrevocable Trust, Springfield, 

Missouri ("Trust"), to increase control of Marshfield Investment 

Company, Springfield, Missouri ("Marshfield"). Also, a control 

group consisting of Trust and its trustees, William B. Magers 

and Randall W. Magers, both of Springfield, Missouri, to 

increase their aggregate control of Marshfield. 

Newspaper – N/Avail 

Fed Reg – 01/26/2005 
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of 

comment period

3A1 Ozarks Legacy Community Financial, Inc., Thayer, Missouri, to 

become a bank holding company by acquiring at least 91.3 

percent of Bank of Thayer, Thayer, Missouri. (Previously 

reported during the week ended January 1, 2005)* 

Newspaper – 02/05/2005

Fed Reg – 02/03/2005 

* 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. 
Section V – Availability of CRA public evaluations

RSSD Exam type

number Institution/Location

Examination 

date

CRA 

public date

CRA 

rating LrgBk SmBk 

169653 First Bank 

St. Louis, Missouri 

07/26/2004 01/05/2005 S X 

904359 Century Bank of the Ozarks 

Gainesville, Missouri 

09/27/2004 01/06/2005 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, January 8, 2005 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

None 

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

Type Application

Ending date of 

comment period

3(a)(5) Glacier Bancorp, Inc., Kalispell, Montana, to acquire 100 

percent of the voting shares of First National Banks - West Co., 

Evanston, Wyoming and thereby indirectly acquire First 

National Bank - West, Evanston, Wyoming.* 

Fed Reg – 01/21/2005 

Newspaper – 01/25/2005 

* 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 

2631172 State Bank of La Crosse 

La Crosse, Wisconsin 

09/27/2004 01/07/2005 S X 

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, January 8, 2005 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch First State Bank N.M., Taos, New Mexico, to establish a branch 

at 6900 South 900 East, Suite 200, Midvale, Utah. 

Newspaper – 11/28/2004 

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

Type Application

Ending date of 

comment period

None 

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of 

comment period

None 

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

Type Application

None 
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding 

S = Satisfactory 

NI = Needs to improve 

SN = Substantial noncompliance 

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

RSSD Exam type

number Institution/Location

Examination 

date

CRA 

public date

CRA 

rating LrgBk SmBk 

2700322 Edmond Bank & Trust Company 

2600 S. Broadway 

Edmond, Oklahoma 73013 

10/12/2004 01/07/2005 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, January 8, 2005 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch PlainsCapital Bank, Lubbock, TX, to operate a courier service 

branch to serve the customers of the existing branch at 

777 Taylor Street, Suite 102, Fort Worth, TX 76102 * 

Newspaper – 01/19/2005 

*Subject to the provisions of the Community Reinvestment Act 

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

Type Application

Ending date of 

comment period

None 

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of 

comment period

None 

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

Type Application

None 
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding 

S = Satisfactory 

NI = Needs to improve 

SN = Substantial noncompliance 

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

RSSD Exam type

number Institution/Location

Examination 

date

CRA 

public date

CRA 

rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 12 

Federal Reserve Bank of San Francisco 

Applications and notifications filed during the week ending Saturday, January 8, 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