Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 46 

Week Ending November 16, 2002 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions November 10, 2002 to November 16, 2002 

Testimony And Statements 

Monetary policy and the economic outlook -- statement by Chairman Greenspan before 

the Joint Economic Committee, U.S. Congress, November 13, 2002. 

- Published, November 13, 2002 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority November 10, 2002 to November 16, 2002 

BS&R 

C&CA 

FOMC 

Banking Supervision and Regulation 

Consumer and Community Affairs 

Federal Open Market Committee 

RBOPS 

IF 

OSDM 

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

Bank Branches, Domestic 

Richmond 

Bank of Clarke County, Berryville, Virginia -- to establish a branch at 3360 Valley Pike, 

Winchester. 

- Approved, November 14, 2002 

San Francisco 

Bank of Ephraim, Ephraim, Utah -- to establish a branch at 747 North Main Street. 

- Approved, November 14, 2002 

Richmond 

Gateway Bank & Trust Co., Elizabeth City, North Carolina -- to establish a branch at 

575 Cedar Road, Chesapeake, Virginia. 

- Approved, November 14, 2002 

Dallas 

Legacy Bank of Texas, Plano, Texas -- to establish a branch at State Highway 289 and 

FM 720, Frisco. 

- Approved, November 14, 2002 

Chicago 

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish a branch at 7025 

North Scottsdale Road, Scottsdale, Arizona. 

- Approved, November 13, 2002 

Philadelphia 

Premier Bank, Doylestown, Pennsylvania -- to establish a branch at 801 Old York Road, 

Abington. 

- Approved, November 13, 2002 

Minneapolis 

Ronan State Bank, Ronan, Montana -- to establish a branch at 1124 Highway 93 South, 

Suite C. 

- Approved, November 12, 2002 

(AC) = Addition or Correction Delegated - Page 1 of 4 
H.2 Actions under delegated authority November 10, 2002 to November 16, 2002 

Bank Holding Companies 

Kansas City 

Adbanc, Inc., Ogallala, Nebraska -- to acquire shares of VBI, Inc., Colorado Springs, 

Colorado. 

- Approved, November 12, 2002 

Chicago 

BTC Financial Corporation, Des Moines, Iowa -- to acquire Midamerica Financial 

Corporation and thereby indirectly acquire Bankers Trust Company, N.A., Cedar 

Rapids, a de novo bank. 

- Approved, November 12, 2002 

Kansas City 

Craco, Inc., Vinita, Oklahoma -- to retain First Acquisition Corporation and thereby 

engage indirectly in leasing and lease financing of personal property. 

- Approved, November 15, 2002 

Director, BS&R 

Gateway Bancshares, Inc., Ringgold, Georgia -- registration as a transfer agent. 

- Approved, November 14, 2002 

Chicago 

Michigan Heritage Bancorp, Inc., Farmington Hills, Michigan -- to engage in the 

origination of residential mortgages and home equity loans through the acquisition of MHB 

Financial, LLC. 

- Returned, November 11, 2002 

New York 

Provident Financial Services, Inc., Jersey City, New Jersey -- to become a bank holding 

company through the acquisition of The Provident Bank on its conversion from a mutual 

to a stock savings bank. 

- Approved, November 12, 2002 

(AC) = Addition or Correction Delegated - Page 2 of 4 
H.2 Actions under delegated authority November 10, 2002 to November 16, 2002 

Bank Holding Companies 

Secretary 

Royal Bank of Canada, Montreal, Canada, RBC Centura Banks, Inc., Rocky Mount, 

North Carolina, and RBC Centura Bank -- commenter's request to extend the comment 

period on the application to merge with Admiralty Bancorp, Inc., Palm Beach, Florida, 

and Admiralty Bank. 

- Denied, November 14, 2002 

Secretary 

The Royal Bank of Scotland Group plc, Edinburgh, Scotland, The Royal Bank of 

Scotland plc, and RBSG International Holdings; Citizens Financial Group, Inc., 

Providence, Rhode Island; and Citizens Bank of Pennsylvania, Philadelphia, 

Pennsylvania -- waiver of application in connection with the acquisition of 

Commonwealth Bancorp, Norristown. 

- Granted, November 12, 2002 

Banks, Foreign 

New York 

UBS AG, Zurich, Switzerland -- to establish an additional branch in New York, New 

York. 

- Approved, November 14, 2002 

Banks, Nonmember, And Miscellaneous Institutions 

Director, BS&R 

Promistar Trust Company, Johnstown, Pennsylvania -- transfer agent registration. 

- Withdrawn, November 14, 2002 

Change In Bank Control 

Kansas City 

First Independent Bancorp, Inc., Chickasha, Oklahoma -- change in bank control. 

- Permitted, November 15, 2002 

Minneapolis 

Johnson Holdings, Inc., Isanti, Minnesota -- change in bank control. 

- Permitted, November 15, 2002 

(AC) = Addition or Correction Delegated - Page 3 of 4 
H.2 Actions under delegated authority November 10, 2002 to November 16, 2002 

Change In Bank Control 

Atlanta 

Saint Martin Bancshares, Inc., Saint Martinville, Louisiana -- change in bank control. 

- Permitted, November 15, 2002 

Competitive Factors Reports 

San Francisco 

First National Bank, Rancho Santa Fe, California -- reports on competitive factors of the 

proposed merger with Bank of Coronado, Coronado. 

- Submitted, November 12, 2002 

Dallas 

The Jacksboro National Bank, Jacksboro, Texas -- report on competitive factors of the 

proposed merger with JNB Merger Corporation. 

- Submitted, November 13, 2002 

Extensions Of Time 

Dallas 

Cen-Tex Bancshares, Inc., Austin, Texas, and Cen-Tex Intermediate Holding Company, 

Inc., Wilmington, Delaware -- extension to January 24, 2003, to become a bank holding 

company through the acquisition of Community State Bank. 

- Granted, November 15, 2002 

(AC) = Addition or Correction Delegated - Page 4 of 4 
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, November 16, 2002 

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) Putnam Bancorp MHC, Inc. and PSB Holdings, Inc., both of Newspaper - 12/09/2002 

Putnam, Connecticut - to become mutual and stock holding Fed Reg - N/Avail 

companies, respectively, through the reorganization of Putnam 

Savings Bank, Putnam, Connecticut 

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 First Quarter of 2003 

Institution Location 

State Street Bank and Trust Company Boston, Massachusetts 

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar 

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need 

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other 

circumstances. 
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, November 16, 2002 

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 

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 First Quarter of 2003 

Institution Location 

The Adirondack Trust Co.

Community Bank of Bergen County

Greenwich Bank & Trust Co.

Great Eastern Bank

HSBC

United Trust Bank

473 Broadway, Saratoga Springs, NY 12866 

125 West Pleasant Avenue, Maywood, NY 07607 

115 East Putnam Avenue, Greenwich, CT 06830 

235 5th Avenue, New York, NY 10016 

452 Fifth Avenue, New York, NY 10018 

1130 Route 22 East, PO Box 6000, Bridgewater, NJ 

08807 
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, November 16, 2002 

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 

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 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, November 16, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Notice by Fifth Third Bank, Michigan, Grand Rapids, MI to 

establish a branch at 1114 North Mission St., Mt. Pleasant, MI.* 

Newspaper - 11/02/2002 

Branch Notice by Fifth Third Bank, Cincinnati, OH to establish a branch 

at State Route 301 (Abbe Rd.) and Route 254 adjacent to I-90, 

Sheffield Village, OH.* 

Newspaper - 11/25/2002 

* 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 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, November 16, 2002

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Farmers & Mechanics Bank, Frederick, Maryland, to establish a 

branch at 1800 Rockville Pike, Rockville, Maryland.*

Newspaper - 11/22/2002

Branch Farmers & Mechanics Bank, Frederick, Maryland, to establish a 

branch at 401 North Washington Street, Rockville, Maryland.*

Newspaper - 11/22/2002

Branch Farmers & Mechanics Bank, Frederick, Maryland, to establish a 

branch at 5279 Buckeystown Pike, Frederick, Maryland.*

Newspaper - 11/22/2002

Branch Four Oaks Bank & Trust Company, Four Oaks, North Carolina, 

to establish a branch at 101 Avent Ferry Road, Holly Springs, 

North Carolina.*

Newspaper - 11/29/2002

Branch Community First Bank, Lynchburg, Virginia, to establish a 

branch at 8509 Timberlake Road, Lynchburg, Virginia.*

Newspaper - 11/30/2002

*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

4(c)(8) BB&T Corporation, Winston-Salem, North Carolina, to acquire 

up to 19.99% of the voting shares of Equitable Bank, Wheaton, 

Maryland.*

Fed Reg - N/Avail 

Newspaper - 12/14/2002

*Subject to the provision 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

506922 Sandy Spring Bank

17801 Georgia Avenue

Olney, Maryland 20832

08/12/2002 11/16/2002 S X

1434826 BankAnnapolis

1000 Bestgate Road, Suite 400 

Annapolis, Maryland 21401-3030

08/12/2002 11/16/2002 S X

Section VI – CRA examinations scheduled for First Quarter of 2003

Institution Location

The Annapolis Banking & Trust Co. Annapolis, Maryland

The Forest Hill State Bank Bel Air, Maryland

NBRS Financial Rising Sun, Maryland

AmericasBank Towson, Maryland

Old Line Bank Waldorf, Maryland
Section VI – CRA examinations scheduled for First Quarter of 2003

Institution Location

Four Oaks Bank & Trust Company Four Oaks, North Carolina

The Bank of Currituck Moyock, North Carolina

Virginia Heartland Bank Fredericksburg, Virginia

Peoples Bank of Virginia Richmond, Virginia

Valley Bank Roanoke, Virginia

Southern Financial Bank Warrenton, Virginia
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, November 16, 2002

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)(3) CenterState Banks of Florida, Inc., Winter Haven, Florida, to 

acquire CenterState Bank of Florida, Winter Haven, Florida.*

Newspaper-11/22/2002

Fed Reg-12/02/2002

3(a)(1) Neighbors Bancshares, Inc., Roswell, Georgia, to become a bank 

holding company by acquiring Neighbors Bank, Roswell, 

Georgia (in organization).*

Newspaper-N/Avail 

Fed Reg-12/13/2002

*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

COM Resource Bankshares, Inc., Mandeville, Louisiana, commitment 

waiver request.

Membership Suncoast National Bank, Sarasota, Florida, to become a member 

of the Federal Reserve System. The resulting name of bank will 

be Suncoast Bank.
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

823638 First Bank of Coastal Georgia

Post Office Box 8

Pembroke, Georgia 31321

(912) 653-4396

08/19/2002 11/13/2002 O X

Section VI – CRA examinations scheduled for First Quarter of 2003

Institution Location

Premier Bank Brentwood, Tennessee

Century Bank of Florida Miami, Florida

Riverside bank of Central Florida Winter Park, Florida

Aliant Bank Alexander City, Alabama

Capital Bank Montgomery, Alabama

Park Avenue Bank Valdosta, Georgia

Compass Bank Birmingham, Alabama

Cavalry Bank Murfreesboro, Tennessee

Harris Trust Bank West Palm Beach, Florida

Bank of Dadeville Dadeville, Alabama

Bank of Gueydan Gueydan, Louisiana
Section VI – CRA examinations scheduled for First Quarter of 2003

Institution Location

Merchants & Farmers Bank Eutaw, Alabama

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar 

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need 

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other 

circumstances.
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, November 16, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Ames Community Bank, Ames, Iowa, to establish a branch 

facility to be located at 107 Main Street, Ames, Iowa, 

concurrently with the relocation of the main office to 1200 

South Duff, Ames, Iowa.* 

Newspaper – 11/22/2002 

18C & Branches M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin, to merge 

with Southwest Bank of Phoenix, Phoenix, Arizona and thereby 

establish a branch at 2222 East Camelback Road, Phoenix, 

Arizona.* 

Newspaper – N/Avail 

* Subject to the provisions of the Community Reinvestment Act 

Sectio n II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

3(a)(3) Herky Hawk Financial Corp., Monticello, Iowa, to acquire 100 

percent of Munter Agency, Inc., Strawberry Point, Iowa, and 

thereby indirectly acquire Union Bank & Trust Company, 

Strawberry Point, Iowa.* 

3(a)(3) Prairieland Employee Stock Ownership Plan, Bushnell, Illinois, 

to increase its ownership of Prairieland Bancorp, Inc., Bushnell, 

Illinois, from 44.73 percent to 49.77 percent, and thereby 

indirectly acquire Farmers and Merchants State Bank, Bushnell, 

Illinois.* 

Fed Reg – 11/22/2002 

Newspaper – N/Available 

Fed Reg – 12/13/2002 

Newspaper – 12/16/2002 

* 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 

879747 The Farmers State Bank of Waupaca 07/01/2002 11/14/2002 S X 

112 W. Fulton 

Waupaca, Wisconsin 54981 

(715) 258-1400 

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, November 16, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Fifth Third Bank, Kentucky, Inc., Louisville, Kentucky, to Newspaper – 12/06/2002 

establish a branch facility to be located at 1580 Leestown Road, 

Lexington, Kentucky.* 

* 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 

CIC Notice by Robert Lee Riley, Holliday, Missouri, to gain control 

of Paris Bancshares, Inc., Paris, Missouri. (Previously submitted 

during the week ending November 9, 2002) 

3A1 Tate Interim, Inc., Senatobia, Mississippi, to become a bank 

holding company by acquiring 100 percent of the voting shares 

of Tate Financial Corporation, Senatobia, Mississippi, and 

thereby indirectly acquire its subsidiary bank, Senatobia Bank, 

Senatobia, Mississippi. (Previously submitted during the week 

ending November 9, 2002)* 

CIC Notice by immediate family members consisting of Terry E. 

Forcht, Marion C. Forcht, Theodore B. Forcht, Rodney S. 

Shockley, and Laurie S. Shockley, acting in concert to retain 

control of Campbellsville Bancorp, Inc., Corbin, Kentucky. 

(Previously submitted during the weeks ending October 26, 

2002 and November 2, 2002) 

CIC Notice by immediate family members consisting of Terry E. 

Forcht, Marion C. Forcht, Theodore B. Forcht, Rodney S. 

Shockley, and Laurie S. Shockley, acting in concert to retain 

control of Green County Bancshares, Inc., Corbin, Kentucky. 

(Previously submitted during the weeks ending October 26, 

2002 and November 2, 2002) 

Newspaper – 12/06/2002 

Fed Reg – 11/29/2002 

Newspaper – 12/05/2002 

Fed Reg – 12/12/2002 

Newspaper - 12/03/2002 

Fed Reg – 11/18/2002 

Newspaper – 12/03/2002 

Fed Reg – 11/18/2002 
Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

CIC Notice by immediate family members consisting of Terry E. 

Forcht, Marion C. Forcht, Theodore B. Forcht, Rodney S. 

Shockley, and Laurie S. Shockley, acting in concert to retain 

control of PRP Bancorp, Inc., Corbin, Kentucky. (Previously 

submitted during the weeks ending October 26, 2002 and 

November 2, 2002) 

3A1 Central Missouri Shares, Inc., Lebanon, Missouri, to become a 

bank holding company by acquiring 100 percent of Central 

Shares, Inc., Lebanon, Missouri, and thereby indirectly 

acquiring its subsidiary bank, Central Bank, Lebanon, 

Missouri.* 

3A1 Marshfield Investment Company Employee Stock Ownership 

Plan and Trust, Springfield, Missouri, to become a bank holding 

company by acquiring 30 percent of Marshfield Investment 

Company, Springfield, Missouri, and thereby indirectly acquire 

its subsidiary banks, Metropolitan National Bank, Springfield, 

Missouri, First National Bank, Lamar, Missouri, and Bank of 

Kimberling City, Kimberling City, Missouri.* 

Newspaper 12/03/2002 

Fed Reg – 11/18/2002 

Newspaper – 12/08/2002 

Fed Reg – 12/12/2002 

Newspaper – 12/07/2002 

Fed Reg – 12/06/2002 

* 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 

3A1 G.L. Smith & Associates, Inc., Louisville, Kentucky, to become 

a bank holding company by acquiring 100 percent of First Bank, 

Inc., Louisville, Kentucky. 
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 First Quarter of 2003 

Institution Location 

Du Quoin State Bank

The Farmers Bank

Leitchfield Deposit Bank & Trust Company

Fifth Third Bank, Kentucky, Inc.

Lindell Bank & Trust Company

BankTennessee

Bank of Dyer

Du Quoin, Illinois 

Hardinsburg, Kentucky 

Lietchfield, Kentucky 

Louisville, Kentucky 

St. Louis, Missouri 

Collierville, Tennessee 

Dyer, Tennessee 

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar 

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need 

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other 

circumstances. 
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, November 16, 2002

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) Community Financial Corporation, Owatonna, Minnesota, to 

become a bank holding company by acquiring 100 percent of the 

voting shares of Community Bank Owatonna, Owatonna, 

Minnesota, a de novo bank.*

Fed Reg – 10/25/2002

Newspaper – 10/18/2002

3(a)(3) State Bankshares, Inc., Fargo, North Dakota, to acquire 100% of 

State Bank of Moorhead, Moorhead, Minnesota.*

Fed Reg – 11/01/2002 

Newspaper – N/Avail

CIC Notice by Patrick A. Wick, Turtle Lake, Wisconsin to acquire 

control of Turtle Bancshares, Inc., Turtle Lake, Wisconsin, and 

thereby indirectly acquire control of Bank of Turtle Lake, Turtle 

Lake, Wisconsin.

Fed Reg – 12/02/2002

Newspaper – N/Avail

CIC Change in control notice by Todd Haugan, Long Lake, 

Minnesota, Tom P. Kell, Duluth, Minnesota and Richard 

Lefcowitz, Minong, Wisconsin to retain control of Superior 

Financial Holding, Inc., Two Harbors, Minnesota, and thereby 

indirectly retain control of the Lake Bank, National Association, 

Two Harbors, Minnesota.

Fed Reg – 11/19/2002

Newspaper – N/Avail

CIC Change in control notice for David A. Beito, Trustee of the 

David A. Beito 2002 GST Trust A, Kathryn A. Beito 2002 GST 

Trust A, Laura E. Beito 2002 GST Trust A, David A. Beito 2002 

GST Trust B, Kathryn A. Beito 2002 GST Trust B, and Laura E. 

Beito 2002 GST Trust B to acquire control of GATO Holdings, 

Inc., Thief River Falls, Minnesota, and thereby indirectly gain 

control of Northern Stock Bank of Thief River Falls, Thief River 

Falls, Minnesota.

Fed Reg – 12/02/2002

Newspaper – 11/26/2002

*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 First Quarter of 2003

Institution Location

Community Bank Chaska Chaska, Minnesota

Farmers State Bank of Madelia, Inc. Madelia, Minnesota

American Bank St Paul, Minnesota

Montana State Bank Plentywood, Montana

First Citizens Bank of Polson Polson, Montana

Lake County Bank St Ignatius, Montana

First Interstate Bank Billings, Montana

The First State Bank of Malta Malta, Montana

Pioneer Bank and Trust Belle Fourche, South Dakota

The Northwestern Bank Chippewa Falls, Wisconsin

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar 

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need 

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other 

circumstances. 

Examinations may have to be rescheduled during the calendar quarter in which they are designated to begin. If 

an institution’s examination is rescheduled for a date later than the end of the date range reflected in a published 

schedule, the institution’s name will be republished in an appropriate later listing. Any comments received as a 

result of either the first publication or subsequent publications will be considered during the examination. 

Written comments regarding the CRA performance of these institutions should be directed to Mr. James Colwell 

at the Federal Reserve Bank of Minneapolis, Banking Supervision Department. P. O. Box 291, Minneapolis, 

Minnesota 55480-0291. 
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, November 16, 2002 

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 

CIC Notice by Stephen Randolph Buford, Sam Dunkin Buford, 

Gentner Frederick Drummond, all of Tulsa, Oklahoma and 

Sharon Buford Linsenmeyer, Beatrice, Nebraska, to acquire 

control of NBC Bancshares in Pawhuska, Inc., Pawhuska, 

Oklahoma, parent of NBC Bank, Pawhuska, Oklahoma. 

CIC Notice by Central of Kansas, LP and Edward C. Rolfs and 

Thomas Rolfs as co-trustees of the CKI Management Trust, all 

of Junction City, Kansas, to acquire control of Central of 

Kansas, Inc., parent of Central National Bank, both of Junction 

City, Kansas. 

Newspaper - N/Available 

Fed Reg - 12/03/2002 

Newspaper - 12/04/2002 

Fed Reg - 12/02/2002 

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 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, November 16, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Texas Bank, Weatherford, TX, to establish a branch office at Newspaper - 11/28/2002 

207 North Denton Tap Road, Suite 100, Coppell, TX 75019 * 

*Subject to the provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

CIC John Mark McLaughlin, San Angelo, TX, only notificant, to Fed Reg – 12/05/2002 

acquire an interest in Texas Bancorp, Inc., San Angelo, TX Newspaper – 11/30/2002 

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 First Quarter of 2003 

Institution Location 

Riverbend Bank 

426057 

United Central Bank 

259657 

First Bank and Trust Company 

552657 

The State Bank of Texas 

706151 

Memphis State Bank 

495857 

Sun Bank 

178561 

2000 Handley Ederville Road

Fort Worth, Texas 76118

4555 West Walnut

Garland, Texas 75042-5143

109 North Main Street

Dawson, Texas 76639

3330 Antoine

Houston, Texas 77092-7040

621 Noel

Memphis, Texas 79245-3329

416 Main Street

Sunray, Texas 79086

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar 

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need 

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other 

circumstances. 
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, November 16, 2002 

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 

CIC Joyce Anne Chiles, Centerville, Washington, William John 

Firstenburg and Bruce Edward Firstenburg, Vancouver, 

Washington, to acquire additional voting shares of First 

Independent Investment Group, Inc., Vancouver, Washington, and 

thereby indirectly acquire voting shares of First Independent Bank, 

Vancouver, Washington.* 

CIC Nagy Family Limited Partnership I, a Washington limited 

partnership, Ferenc Nagy and Susanna Nagy, general partners, and 

Ferenc Nagy and Eva Brevick, as individuals, to acquire Viking 

Financial Services Corporation, and thereby indirectly acquire 

shares of Viking Commercial Bank, Seattle, Washington.* 

Newspaper – N/Avail 

Fed Reg – 12/03/2002 

Newspaper – 11/08/2002 

Fed Reg – 11/12/2002 

* 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 Central California Bank, Sonora, California, 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 

2319676 Community Bank of Nevada 

1400 S. Rainbow 

Las Vegas, Nevada 89146 

702-878-0700 

868376 Barnes Banking Company 

33 S. Main Street 

Kaysville, Utah 84037 

801-544-6424 

07/15/2002 11/13/2002 S 

07/15/2002 11/13/2002 S X 

The above listing has been prepared as a courtesy by the Federal Reserve Bank of San Francisco, and is not intended 

to replace formal notices required by statute or regulation; the Reserve Bank assumes no responsibility for errors or 

omissions. 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 

X