Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 43 

Week Ending October 27, 2001 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions October 21, 2001 to October 27, 2001 

Bank Holding Companies 

International Bancshares Corporation, Laredo, Texas -- to acquire National Bancshares 

Corporation of Texas, San Antonio, and thereby acquire NBC Bank, N.A., Eagle Pass. 

- Approved, October 26, 2001 

North Fork Bancorporation, Inc., Melville, New York -- to acquire Commercial Bank of 

New York, New York City. 

- Approved, October 22, 2001 

Forms 

Forms -- discontinuance of the Daily Advance Report of Deposits (FR 2000). 

- Approved, October 23, 2001 

Enforcement 

McIlroy Bank and Trust, Fayetteville, Arkansas -- consent order of assessment of a civil 

money penalty. 

- Announced, October 25, 2001 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority October 21, 2001 to October 27, 2001 

BS&R 

C&CA 

FOMC 

Banking Supervision and Regulatio 

Consumer and Community Affai 

Federal Open Market Committ 

RBOPS 

IF 

OSDM 

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Managemen

Bank Branches, Domestic 

Cleveland 

Apple Creek Banking Company, Apple Creek, Ohio -- to establish a branch at 105 

Second Avenue, Northeast, Beach City. 

- Approved, October 23, 2001 

Chicago 

Bank of Geneva, Geneva, Indiana -- to establish a branch at 105 West Main Street, 

Saratoga. 

- Approved, October 26, 2001 

Cleveland 

Fifth Third Bank, Cincinnati, Ohio -- to establish branches at 412 Main Street and 3075 

Mallory Lane, Franklin, Tennessee. 

- Approved, October 24, 2001 

Bank Holding Companies 

Richmond 

Catawba Valley Bankshares, Inc., Hickory, North Carolina -- to acquire First Gaston 

Bank of North Carolina, Gastonia. 

- Approved, October 24, 2001 

Atlanta 

FirstCity Bancorp, Inc., Gibson, Georgia -- to become a bank holding company through 

the acquisition of FirstCity Bank. 

- Approved, October 26, 2001 

San Francisco 

GBC Bancorp, Los Angeles, California -- waiver of application requirements in 

connection with the proposed merger of GBC Bancorp's subsidiary bank, General Bank, 

with Liberty Bank and Trust, Boston, Massachusetts. 

- Granted, October 26, 2001 

(AC) = Addition or Correction Delegated - Page 1 of 5 
H.2 Actions under delegated authority October 21, 2001 to October 27, 2001 

Bank Holding Companies 

San Francisco 

Hemet Bancorp, Hemet, California -- to become a bank holding company through the 

acquisition of The Bank of Hemet. 

- Approved, October 25, 2001 

Cleveland 

Parkvale Financial Corporation, Monroeville, Pennsylvania -- waiver of application 

requirement in connection with the proposed merger of Parkvale's subsidiary saving bank, 

Parkvale Savings Bank, with Second National Bank of Masontown, Masontown. 

- Approved, October 23, 2001 

Dallas 

South Plains Financial, Inc., Lubbock, Texas, and South Plains Delaware Financial 

Corporation, Dover, Delaware -- to acquire Zia Financial Corporation, Ruidoso, New 

Mexico, and City Bank New Mexico; and for Zia Financial Corporation to become a 

bank holding company through the acquisition of City Bank New Mexico. 

- Approved, October 24, 2001 

Kansas City 

Southern Colorado National Bancorp, Inc., Pueblo, Colorado -- to become a bank 

holding company through the acquisition of Southern Colorado National Bank. 

- Approved, October 26, 2001 

Minneapolis 

Venture Bancshares, Inc., Bloomington, Minnesota -- to become a bank holding 

company through the acquisition of Venture Bank, a de novo bank. 

- Approved, October 22, 2001 

Bank Mergers 

San Francisco 

Business Bank of California, San Bernardino, California -- to merge with Metro 

Commerce Bank, San Rafael. 

- Approved, October 25, 2001 

(AC) = Addition or Correction Delegated - Page 2 of 5 
H.2 Actions under delegated authority October 21, 2001 to October 27, 2001 

Banks, Foreign 

Atlanta 

Banco de Credito e Inversiones, S.A., Santiago, Chile -- to convert its state-chartered 

agency at 701 Brickell Avenue, Suite 1450, Miami, Florida, to a state-chartered 

international branch. 

- Approved, October 23, 2001 

Change In Bank Control 

Chicago 

APM Bancorp, Inc., Buffalo, Iowa -- change in bank control. 

- Permitted, October 23, 2001 

Boston 

Central Bancorp, Inc., Somerville, Massachusetts -- change in bank control. 

- Permitted, October 23, 2001 

Minneapolis 

WCB Bancshares, Inc., Oakdale, Minnesota -- change in bank control. 

- Permitted, October 26, 2001 

Competitive Factors Reports 

San Francisco 

Affinity Bank, Ventura, California -- report on competitive factors of the proposed 

merger with Westcoast Savings and Loan Association, Seal Beach. 

- Submitted, September 28, 2001 (AC) 

Dallas 

The American National Bank of Texas, Terrell, Texas -- report on competitive factors of 

the proposed acquisition of the Rowlett and Rockwall branches of Jefferson Heritage 

Bank, Denton. 

- Submitted, October 25, 2001 

San Francisco 

Bank of Fairfield, Fairfield, Washington -- report on competitive factors of the proposed 

merger with Fairfield-Waverly Insurance Agency, Inc. 

- Submitted, October 22, 2001 

(AC) = Addition or Correction Delegated - Page 3 of 5 
H.2 Actions under delegated authority October 21, 2001 to October 27, 2001 

Competitive Factors Reports 

Chicago 

Bank of Monticello, Monticello, Wisconsin -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of Associated Bank, National 

Association, Green Bay. 

- Submitted, October 26, 2001 

St. Louis 

Eagle Bank and Trust Company of Missouri, Hillsboro, Missouri -- report on competitive 

factors of the proposed merger with Perry County Savings Bank, FSB, Perryville. 

- Submitted, October 26, 2001 

Chicago 

Exchange State Bank, Collins, Iowa -- report on competitive factors of the proposed 

merger with Exchange State Bank, Exira. 

- Submitted, October 24, 2001 

Minneapolis 

First National Bank in Brookings, Brookings, South Dakota -- report on competitive 

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

Sterling Bank and Trust, FSB, Southfield, Michigan. 

- Submitted, October 24, 2001 

St. Louis 

Lima Interim Bank, National Association, White Hall, Illinois -- report on competitive 

factors of the proposed merger with White Hall National Bank. 

- Submitted, October 24, 2001 

Richmond 

MountainBank, Hendersonville, North Carolina -- report on competitive factors of the 

proposed merger with First Western Bank, Burnsville. 

- Submitted, October 22, 2001 

San Francisco 

Northrim Bank, Anchorage, Alaska -- report on competitive factors of the proposed 

merger with Northrim Interim Bank. 

- Submitted, October 22, 2001 

(AC) = Addition or Correction Delegated - Page 4 of 5 
H.2 Actions under delegated authority October 21, 2001 to October 27, 2001 

Competitive Factors Reports 

Chicago 

Northwest Federal Savings Bank, Spencer, Iowa -- report on competitive factors of the 

proposed purchase of the Belmond branch of Commercial Federal Bank, a Federal 

Savings Bank, Omaha, Nebraska. 

- Submitted, October 26, 2001 

Minneapolis 

Security State Bank of Hunter, Hunter, North Dakota -- report on competitive factors of 

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

Bremer Bank, National Association, Grand Forks. 

- Submitted, October 23, 2001 

Extensions Of Time 

Chicago 

AmericaUnited Bancorp, Inc., Schaumburg, Illinois -- extension to February 4, 2002, to 

acquire National Bancorp, Inc., Sycamore, and thereby indirectly acquire American 

National Bank of DeKalb County. 

- Granted, October 23, 2001 

Atlanta 

Employee Stock Ownership Trust of People's Bank and Trust Company of Pickett 

County, Byrdstown, Tennessee -- extension to January 29, 2002, to acquire shares of 

Upper Cumberland Bancshares, Inc. 

- Granted, October 25, 2001 

(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, October 27, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

Reg K Fleet National Bank, Providence, Rhode Island - application to 

establish Fleet Overseas Capital, LLC (FOC) as an Agreement 

corporation, to lend $25 million to FOC, and for FOC to engage 

in leasing activities 
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 Examination CRA CRA Exam type 

number Institution/Location date public date 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, October 27, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Representative 

Office 

Banca Comerciala Romana S.A., Bucharest, Romania, to 

establish a representative office in New York, New York.* 

Newspaper – N/Avail 

Representative 

Office 

Hamburgische Landesbank-Girozentrale, Hamburg, Germany, to 

establish a representative office in New York, New York.* 

Newspaper – N/Avail 

Branch Banque Sudameris, Paris, France, to convert its Miami agency 

into a branch.* 

Newspaper – N/Avail 

* Subject to the provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 Examination CRA CRA Exam type 

number Institution/Location date public date 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, October 27, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

Member Equity Bank, Marlton NJ, 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 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 Examination CRA CRA Exam type 

number Institution/Location date public date 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, October 27, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) Branch Received application from Sky Bank, Ohio Bank Region, 11/18/2001 

5(d)(3) Findlay, OH on 10/24/2001to merge with Sky Bank, Mid Am 

Region, Toledo, OH and Sky Bank, Salineville, OH and, 

incident thereto, establish branches. 

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

Ending date of 

Type Application comment period 

3(a)(3) Received application from Community Trust Bancorp, Inc, 

Pikeville, KY on 10/23/2001 to acquire Citizens National Bank 

& Trust of Hazard, Hazard, KY. 

Newspaper - 11/23/2001 

3(a)(1) Received application from HFB Financial Corporation, 

Middlesboro, KY on 10/25/2001 to acquire Home Federal Bank 

Corporation, Middlesboro, KY. 

Fed Reg - 11/26/2001 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

645625 WesBanco Bank, Inc. 05/07/2001 10/25/2001 S X 

1 Bank Plaza 

Wheeling, WV 26003 

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, October 27, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) United Bank, Fairfax, Virginia, to merge with Century National Newspaper - 11/10/2001 

Bank, Washington, D. C.* 

*Subject to the provisions of the Community Reinvestment Act. 

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

Ending date of 

Type Application comment period 

3(a)(5) United Bankshares, Inc., Charleston, West Virginia, to merge 

with Century Bancshares, Inc., Washington, D. C.* 

3(a)(5) FNB Corporation, Christiansburg, Virginia, to merge with 

Salem Community Bankshares, Inc., Salem, Virginia.* 

3(a)(1) Tri-County Bancorp, Inc., West Union, West Virginia, to 

become a bank holding company through the acquisition of 

100% of the voting shares of West Union Bank, West Union, 

West Virginia.* 

Fed Reg - 11/02/2001 

Newspaper - 11/10/2001 

Fed Reg – 11/08/2001 

Newspaper - N/Avail 

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 

Ending date of 

Type Application 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 Examination CRA CRA Exam type 

number Institution/Location date public date 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, October 27, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

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

337 E. Ridgeville Boulevard, Mt. Airy, Maryland, to be known 

as the Mt. Airy Safeway In-Store Office. 

10/31/2001*

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

located at 868 Church Street North, Concord, North Carolina, to 

be known as the Concord Office. 

10/26/2001*

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

located at 19631 West Catawba Avenue, Cornelius, North 

Carolina, to be known as the Cornelius Office. 

10/26/2001*

*Subject to provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

3(a)(1) Grand Bankshares, Inc., West Palm Beach, Florida, to become a 09/28/2001* 

bank holding company by acquiring Grand Bank & Trust of 

Florida, West Palm Beach, Florida. 

*Subject to provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

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

Type Application 

COM Georgia Bancshares, Inc., Fayetteville, Georgia, commitment 

waiver request. 

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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

1407521 Bank of Nashville 07/09/2001 10/25/2001 S X 

Post Office Drawer 198986 

Nashville, Tennessee 37219 

(615) 271-2000 

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, October 27, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Alpha Community Bank, Toluca, Illinois, for prior approval to 

establish a mobile branch which will serve Bartonville, Bayview 

Gardens, East Peoria, Peoria, Peoria Heights and Spring Bay, all 

located in Illinois.* 

Newspaper – 9/12/2001 

Branch Bank of Geneva, Geneva, Indiana, for prior approval to establish 

a branch at 105 West Main Street, Saratoga, Indiana.* 

Newspaper – 10/20/2001 

18C & Branches Iowa State Bank, Sheldon, Iowa, for prior approval to merge 

with Iowa State Bank, Orange City, Iowa and thereby to 

establish the following branch offices: 627 2nd Ave., Sheldon, 

Iowa; 103 3rd Ave., Alton, Iowa; 305 Oak Street, Craig, Iowa; 

105 Albany Ave., Orange City, Iowa, and 308 Main, Ireton, 

Iowa.* 

Newspaper – N/Avail 

* Subject to the provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

Notification by R. Steven Lutterbach, of a Change in Control of 

Alliance Financial Corp., New Buffalo, Michigan. 

Fed Reg – 11/14/2001 

Newspaper – N/Avail 

3(a)(1) Allied First Bancorp, Inc., Naperville, Illinois, for prior approval 

to become a bank holding company through the acquisition of 

100 percent of the voting shares of Allied First Bank, s.b., 

Naperville, Illinois.* 

Fed Reg – 10/22/2001 

Newspaper – N/Avail 

3(a)(5) Associated Banc-Corp., Green Bay, Wisconsin, for prior 

approval to acquire 100 percent of the voting shares of Signal 

Financial Corporation, Mendota Heights, Minnesota and thereby 

indirectly acquire Signal Bank National Association, Eagan, 

Minnesota and Signal Bank South National Association, Red 

Wing, Minnesota.* 

Fed Reg – 10/29/2001 

Newspaper – 10/19/2001 

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

Ending date of 

Type Application comment period 

3(a)(5) Dunlap Iowa Holding Co., Dunlap, Iowa, for prior approval to 

acquire 100 percent of the voting shares of EWN Investments, 

Inc., Ute, Iowa and thereby indirectly acquire Ute State Bank, 

Ute, Iowa.* 

3(a)(3) Herky Hawk Financial Corp., Monticello, Iowa, for prior 

approval to acquire 100 percent of the voting shares of New 

Vienna Savings Bank, New Vienna, Iowa and Casey State Bank, 

Casey, Illinois and to acquire 100 percent of the voting shares of 

Biggsville Financial Corporation, Biggsville, Illinois and 

thereby indirectly acquire First State Bank of Biggsville, 

Biggsville, Illinois.* 

3(a)(1) Home Federal Bancorp, Seymour, Indiana, for prior approval to 

become a bank holding company through the acquisition of 100 

percent of the voting shares of Home Federal Savings Bank, 

Seymour, Indiana.* 

3(a)(1) Lincoln Bancorp, Inc., Rochelle, Illinois, for prior approval to 

become a bank holding company through the acquisition of 100 

percent of the voting shares of Lincoln State Bank, S.B., 

Rochelle, Illinois.* 

3(a)(1) Manito Bank Services, Inc., Manito, Illinois, for prior approval 

to become a bank holding company through the acquisition of 

100 percent of the voting shares of Peoples State Bank, Manito, 

Illinois.* 

CC Notification by the Abdula Family Limited Partnership and 

other notificants, of a Change in Control to retain 11.30 percent 

ownership in Northern States Financial Corporation, Waukegan, 

Illinois, and to increase ownership to 11.83 percent as a result of 

a stock redemption by the holding company. 

3(a)(1) Premier Holdings, Ltd., Rock Valley, Iowa, for prior approval to 

become a bank holding company through the acquisition of 100 

percent of the voting shares of Premier Bank, Rock Valley, 

Iowa. * 

3(a)(1) The Private Banking Company, Hartland, Wisconsin, for prior 

approval to become a bank holding company through the 

acquisition of 100 percent of the voting shares of Bank of 

Waunakee Employee Stock Ownership Plan, Waunakee, 

Wisconsin and Waunakee Bank Shares, Inc., Waunakee, 

Wisconsin and thereby indirectly acquire Bank of Waunakee, 

Waunakee, Wisconsin.* 

CC Notification by Omar C. Wilhelms and Janice R. Wilhelms, of a 

Change in Control by Shannon Bancorp, Inc., Shannon, Illinois. 

Fed Reg – 11/02/2001 

Newspaper – 10/27/2001 

Fed Reg – 10/29/2001 

Newspaper – 11/02/2001 

Fed Reg – 11/1/3/2001 

Newspaper – 11/09/2001 

Fed Reg – 10/26/2001 

Newspaper – 10/24/2001 

Fed Reg – 11/02/2001 

Newspaper - 10/27/2001 

Fed Reg – 11/01/2001 

Newspaper – 10/29/2001 

Fed Reg – N/Avail 

Newspaper – N/Avail 

Fed Reg – N/Avail 

Newspaper – N/Avail 

Fed Reg – N/Avail 

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

Ending date of 

Type Application comment period 

3(a)(1) Sturgis Bancorp, Inc., Sturgis, Michigan, for prior approval to Fed Reg – 10/26/2001 

become a bank holding company through the acquisition of 100 Newspaper – 10/24/2001 

percent of the voting shares of Sturgis Bank & Trust Company, 

Sturgis, Michigan.* 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

4(c)(8) Associated Banc-Corp., Green Bay, Wisconsin, for prior 

approval to acquire 100 percent of the voting shares of Signal 

Finance Company, Mendota Heights, Illinois and thereby to 

engage in extending credit and servicing loans and selling credit 

life and accident and health insurance in conjunction with 

lending and to acquire 100 percent of the voting shares of Signal 

Trust Company, N.A., Mendota Heights, Minnesota and thereby 

to engage in trust company functions. 

4(c)(8) Citizens Banking Corporation, Flint, Michigan, for prior 

approval to acquire 100 percent of the voting shares of CB 

Wealth Management, National Association, Flint, Michigan. 

4(c)(8) M.S. Investment Company, Milwaukee, Wisconsin and Mitchell 

Bank Holding Company, Milwaukee, Wisconsin, notification of 

intent to continue to engage in extending credit and servicing 

loans. 

Fed Reg – 11/07/2001 

Fed Reg – N/Avail 

Fed Reg – 10/29/2001 

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 Examination CRA CRA Exam type 

number Institution/Location date public date 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, October 27, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

3(a)(3) Notice by Brighton Bancorp, Inc., Brighton, Tennessee, to Newspaper – 11/25/2001 

acquire Parkin Bancorp, Inc., Parkin, Arkansas.* Fed Reg – 11/23/2001 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 Examination CRA CRA Exam type 

number Institution/Location date public date 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, October 27, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

3(a)(5) Mesaba Bancshares, Inc., Grand Rapids, Minnesota, proposes to 

acquire Bovey Financial Corporation, Bovey, Minnesota.* 

Fed. Reg. – 11/05/2001 

Newspaper – N/Avail. 

CIC Elizabeth L. Kirch to acquire control of State Bancshares of 

Ulen, Inc., Dilworth, Minnesota. 

Fed. Reg. – 11/05/2001 

Newspaper – 11/09/2001 

3(a)(3) Dakota Bancshares, Inc., Mendota Heights, Minnesota, proposes 

to acquire 100% of the voting shares of The Midway National 

Bank of St. Paul, St. Paul, Minnesota.* 

Fed. Reg. – 11/15/2001 

Newspaper – N/Avail. 

*Subject to the provisions of the Community Reinvestment Act. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

657758 Citizens Bank & Trust Company 07/09/2001 10/25/2001 S X 

Big Timber, Montana 

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, October 27, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

3(a)(1) Camargo Financial Company, Inc., Camargo, Oklahoma, for 

prior approval to become a bank holding company through the 

acquisition of 100 percent of the voting shares of The First State 

Bank, Camargo, Oklahoma. 

Newspaper – 11/02/2001 

Fed Reg – 11/13/2001 

CIC Jayne L. Coleman Revocable Trust, Jayne L. Coleman or Gary 

M. Coleman, Trustees, all of Valley Falls, Kansas, for prior 

approval to acquire control of Northeast Kansas Bancshares, 

Inc., parent of Kendall State Bank, both of Valley Falls, Kansas. 

Newspaper – 11/08/2001 

Fed Reg – 11/13/2001 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

376657 Farmers State Bank 

1st Street 

07/30/2001 10/22/2001 S X 

Stanberry, Missouri 64489 

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, October 27, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

4(c)(8) East Texas Financial Corporation, Kilgore, TX, to engage in 

operating a savings association by acquiring East Texas 

Financial Services, Inc., Tyler, TX, and First Federal Savings 

and Loan Association, Tyler, TX* 

3(a)(1) Northwest Bancshares, Inc., Roanoke, TX, to acquire Northwest 

Delaware, Inc., Wilmington, DE, and Northwest Bank, 

Roanoke, TX* 

3(a)(1) Northwest Delaware, Inc., Wilmington, DE, to acquire 

Northwest Bank, Roanoke, TX* 

Fed Reg – 11/23/2001 

Newspaper – N/Avail 

Fed Reg – N/Avail 

Newspaper – N/Avail 

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 

Ending date of 

Type Application 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 Examination CRA CRA Exam type 

number Institution/Location date public date 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, October 27, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

3(a)(3) National Mercantile Bancorp, Los Angeles, California, to acquire Newspaper - 09/01/2001 

South Bay Bank, N.A., Torrance, California. * Fed Reg - 09/11/2001 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

Member Bank of Sacramento, Sacramento, California, to become a 

member of the Federal Reserve System. 

COM Bay View Capital Corporation, San Mateo, California, seeks 

extension of time to divest certain equity investments in the 

acquisition of Franchise Mortgage Acceptance Corporation. 
Section IV – Applications not subject to Federal Register or newspaper notice 

Type Application 

Waiver Business Bancorp, San Bernardino, California, requests a waiver 

of any Bank Holding Company Act application requirement in 

connection with the merger between Business Bancorp and MCB 

Financial Corporation, San Rafael, California. 

Waiver UFJ Holdings, Inc., Osaka, Japan, requests a waiver of any Bank 

Holding Company Act application requirement in connection 

with the proposed merger between The Sanwa Bank, Limited, 

Osaka, Japan, and The Tokai Bank, Limited, Tokyo, Japan. 

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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

2914361 Solano Bank 06/11/2001 10/15/2001 S X 

403 Davis Street 

Vacaville, California 95688 

(707) 452-7000 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None