Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 24 

Week Ending June 16, 2001 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions June 10, 2001 to June 16, 2001 

Testimony And Statements 

Hearing on nomination -- statement by Roger W. Ferguson, Jr. before the Senate 

Committee on Banking, Housing, and Urban Affairs at a hearing on his nomination to a 

full term as a member of the Board. 

- Published, June 13, 2001 

Banks, Foreign 

Banco de Bogata S.A., Santafe de Bogota, D.E., Colombia -- to establish an agency in 

Miami, Florida. 

- Approved, June 11, 2001 

Board Operations 

Division of Monetary Affairs -- appointment of Vincent Reinhart as Director and 

promotion of Brian Madigan to Deputy Director. 

- Approved, June 11, 2001 

Office of Board Members -- appointment of Donald Kohn as Advisor to the Board for 

Monetary Policy. 

- Approved, June 11, 2001 

Office of the Secretary -- promotion of Robert deVere Frierson to Deputy Secretary of 

the Board and appointment of Margaret McCloskey Shanks as Assistant Secretary of the 

Board, effective August 6, 2001. 

- Approved, June 15, 2001 

Forms 

Forms -- extension without revision of the Written Security Program for State Member 

Banks (FR 4004). 

- Approved, June 14, 2001 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority June 10, 2001 to June 16, 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 

Richmond 

Bank of Hampton Roads, Chesapeake, Virginia -- to establish a branch at 281 

Independence Boulevard, Suite 100, Pembroke One Building, Virginia Beach. 

- Approved, June 13, 2001 

San Francisco 

County Bank, Merced, California -- to establish a branch at 4609 Quail Lakes Drive, #5, 

Stockton. 

- Approved, June 13, 2001 

Atlanta 

Fifth Third Bank, Naples, Florida -- to establish a branch at 2301 Del Prado Boulevard 

South, #507, Cape Coral. 

- Approved, June 13, 2001 

Chicago 

First Bank of Berne, Berne, Indiana -- to establish a branch at 1350 West Main Street. 

- Approved, June 15, 2001 

Cleveland 

Somerset Trust Company, Somerset, Pennsylvania -- to establish a branch at 344 

Goucher Street, Johnstown. 

- Approved, June 13, 2001 

Bank Holding Companies 

Chicago 

American Bank Holdings, LLC, Cedar Falls -- to become a bank holding company 

through the acquisition of American Bancorporation, Cedar Falls, Iowa, and thereby 

acquire Cedar Valley Holding Company and Cedar Valley State Bank, Saint Ansgar. 

- Withdrawn, June 4, 2001 (AC) 

(AC) = Addition or Correction Delegated - Page 1 of 6 
H.2 Actions under delegated authority June 10, 2001 to June 16, 2001 

Bank Holding Companies 

Atlanta 

First Dozier Bancshares, Inc., Dozier, Alabama -- to become a bank holding company 

through the acquisition of The First National Bank of Dozier. 

- Returned, June 15, 2001 

Atlanta 

Hancock Holding Company, Gulfport, Mississippi -- to merge with Lamar Capital 

Corporation, Purvis, and acquire Lamar Bank; and to acquire Lamar Data Solutions, Inc. 

and engage in data processing and data transmission services for financial institutions. 

- Approved, June 15, 2001 

Kansas City 

Landmark Merger Company, Manhattan, Kansas -- to acquire Landmark Bancshares, 

Inc., Dodge City, and MNB Bancshares, Inc., Manhattan. 

- Withdrawn, June 13, 2001 

Minneapolis 

Metro North Bancshares, Inc., Elk River, Minnesota -- to become a bank holding 

company through the acquisition of The Bank of Elk River. 

- Approved, June 14, 2001 

San Francisco 

Mid-State Bancshares, Arroyo Grande, California -- waiver of application requirements 

in connection with the proposed merger with Americorp, Ventura, and the merger of 

Americorp's subsidiary, American Commercial Bank, with Mid-State Bank, Arroyo 

Grande. 

- Granted, June 14, 2001 

Kansas City 

Ottawa Bancshares, Inc., Salina, Kansas -- to acquire Admire Bancshares, Inc., 

Emporia, and Admire Bank. 

- Approved, June 12, 2001 

Philadelphia 

Promistar Financial Corporation, Johnstown, Pennsylvania -- to acquire FNH 

Corporation, Herminie, and its subsidiary, First National Bank of Herminie. 

- Approved, June 11, 2001 

(AC) = Addition or Correction Delegated - Page 2 of 6 
H.2 Actions under delegated authority June 10, 2001 to June 16, 2001 

Bank Holding Companies 

Chicago 

Republic Bancorp, Inc., Owosso, Michigan -- to acquire shares of Net.B@nk, Inc., 

Atlanta, Georgia, and thereby acquire NetBank, Alpharetta, a federal savings bank, and 

NetBank Partners, LLC, a nonbank subsidiary engaged in management consulting and 

counseling services. 

- Approved, June 11, 2001 

Director, BS&R 

SunTrust Banks, Inc., Atlanta, Georgia -- request for relief from certain joint venture 

commitments. 

- Granted, June 15, 2001 

San Francisco 

Washington First Financial Group, Inc., Seattle, Washington -- to become a bank holding 

company through the acquisition of Washington First International Bank. 

- Approved, June 8, 2001 (AC) 

Banks, Foreign 

Chicago 

ABN AMRO Bank N.V., Amsterdam, The Netherlands -- to establish a branch at 680 

Fifth Avenue, New York, New York. 

- Approved, June 15, 2001 

New York 

Banco Bradesco S.A., Osasco, Brazil -- to engage de novo through its subsidiary, 

Bradesco Securities, Inc., New York, New York, in financial and investment advisory 

activities and securities brokerage and riskless principal services. 

- Approved, June 13, 2001 

Banks, Nonmember, And Miscellaneous Institutions 

Dallas 

Consolidated Graphics, Inc., Houston, Texas -- deregistration under Regulation U. 

- Approved, June 12, 2001 

(AC) = Addition or Correction Delegated - Page 3 of 6 
H.2 Actions under delegated authority June 10, 2001 to June 16, 2001 

Banks, Nonmember, And Miscellaneous Institutions 

Kansas City 

ONECCU Federal Credit Union, Oklahoma City, Oklahoma -- deregistration under 

Regulation U. 

- Approved, June 14, 2001 

Banks, State Member 

Director, BS&R 

AmSouth Bank, Birmingham, Alabama -- request for relief from a commitment in 

connection with the application to establish Cahaba International Inc. and to invest in its 

de novo subsidiary, Cahaba International Ltd., Hamilton, Bermuda. 

- Granted, June 14, 2001 

Competitive Factors Reports 

San Francisco 

American Commercial Bank, Ventura, California -- report on competitive factors of the 

proposed merger with Mid-State Bank, Arroyo Grande. 

- Submitted, June 15, 2001 

Philadelphia 

Delaware City Bank, Delaware City, Delaware -- report on competitive factors of the 

proposed merger with Sun National Bank, Delaware, Wilmington. 

- Submitted, June 14, 2001 

Cleveland 

The First National Bank of New Holland, New Holland, Ohio -- report on competitive 

factors of the proposed merger with CFF Interim National Bank. 

- Submitted, June 12, 2001 

San Francisco 

First Security Trust Company of Nevada, Las Vegas, Nevada -- reports on competitive 

factors of the proposed merger with Wells Fargo Bank Nevada, N.A. 

- Submitted, June 13, 2001 

(AC) = Addition or Correction Delegated - Page 4 of 6 
H.2 Actions under delegated authority June 10, 2001 to June 16, 2001 

Competitive Factors Reports 

Atlanta 

Atlanta 

Atlanta 

Frontier National Bank, Sylacauga, Alabama -- report on competitive factors of the 

proposed purchase of assets and assumption of certain liabilities of three branches of First 

Bank of Childersburg, Vincent. 

- Submitted, June 13, 2001 

The Park Avenue Bank, Valdosta, Georgia -- report on competitive factors of the 

proposed purchase of assets and assumption of deposit liabilities of Richmond Hill Bank, 

Richmond Hill, and to establish a branch. 

- Submitted, June 13, 2001 

Vision Bank, Gulf Shores, Alabama -- report on competitive factors of the proposed 

purchase of assets and assumption of liabilities of the Foley, Alabama, branch of Union 

Planters Bank, N.A., Memphis, Tennessee. 

- Submitted, June 13, 2001 

Financial Holding Companies 

Chicago 

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

- Effective, June 14, 2001 

Minneapolis 

Faribault Bancshares, Inc., Faribault, Minnesota -- election to become a financial holding 

company. 

- Effective, June 14, 2001 

Philadelphia 

Fidelity D&D Bancorp, Inc., Dunmore, Pennsylvania -- election to become a financial 

holding company. 

- Effective, June 15, 2001 

(AC) = Addition or Correction Delegated - Page 5 of 6 
H.2 Actions under delegated authority June 10, 2001 to June 16, 2001 

Financial Holding Companies 

Chicago 

Main Street Trust, Inc., Champaign, Illinois -- election to become a financial holding 

company. 

- Effective, June 14, 2001 

Boston 

Northfield MHC, Northfield, Vermont, and Northfield Bancorp, Inc. -- elections to 

become financial holding companies. 

- Effective, June 15, 2001 

Atlanta 

P.C.B. Bancorp, Inc., Largo, Florida -- election to become a financial holding company. 

- Effective, June 1, 2001 (AC) 

Membership 

Richmond 

Park Meridian Bank, Charlotte, North Carolina -- to become a member of the Federal 

Reserve System. 

- Approved, June 15, 2001 

(AC) = Addition or Correction Delegated - Page 6 of 6 
District 1
 

Federal Reserve Bank of Boston
 

Applications and notifications filed during the week ending Saturday, June 16, 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 

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 2
 

Federal Reserve Bank of New York
 

Applications and notifications filed during the week ending Saturday, June 16, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Representative 

Office 

Icici Ltd., Mumbai, India, to establish a representative office in 

New York, New York.* 

Newspaper – 06/21/2001 

Representative 

Office 

China Merchants Bank, Shenzhen, People’s Republic of China, 

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

Newspaper – N/Avail 

Representative 

Office 

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

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

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 

3(a)(3)	 Citigroup, Inc., Citigroup Holdings Company, and Citicorp, all Newspaper – 07/01/2001 

of New York, New York, to indirectly acquire all of the shares Fed Reg – 07/09/2001 

of California Commerce Bank, Los Angeles, California, a statechartered .* 

* 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 3
 

Federal Reserve Bank of Philadelphia
 

Applications and notifications filed during the week ending Saturday, June 16, 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 

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, June 16, 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 

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. 

The federal bank regulators use the following four 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, June 16, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Centura Bank, Rocky Mount, North Carolina, to establish a 

branch at 8809 Six Forks Road, Raleigh, North Carolina.* 

Branch Centura Bank, Rocky Mount, North Carolina, to establish a 

branch at 2314 North College Road, Wilmington, North 

Carolina.* 

Branch Centura Bank, Rocky Mount, North Carolina, to establish a 

branch at 2149 Valley Gate Drive, Fayetteville, North 

Carolina.* 

Branch Metro-County Bank of Virginia, Inc., Mechanicsville, 

Virginia, to establish a branch at 300 England Street, Ashland, 

Virginia.* 

Branch Alliance Bank Corporation, Fairfax, Virginia, to establish a 

branch at 9150 Manassas Drive, Manassas Park, Virginia.* 

Newspaper - 06/22/2001 

Newspaper - 06/22/2001 

Newspaper - 06/24/2001 

Newspaper - 06/29/2001 

Newspaper - 06/29/2001 

*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 

47377 *Southern Financial Bank 

37 East Main Street 

Warrenton, Virginia 20186 

196426 *Bank of Northumberland, 

Incorporated 

358 Northumberland Highway 

Heathsville, Virginia 22473 

723822 Virginia Bank & Trust Company 

336 Main Street 

Danville, Virginia 24541 

03/05/2001 06/08/2001 S X 

04/09/2001 06/09/2001 O X 

04/09/2001 06/16/2001 S X 

*Inadvertently omitted from bulletin for week ending June 9, 2001. 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, June 16, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) Commercial Bank, Harrogate, Tennessee, to merge with Middle 

Federal Bank, FSB, Middlesboro, Kentucky. 

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

3760 Sixes Road, Suite 110, Canton, Georgia, to be known as 

The Market @Bridgemill Publix In-Store Branch. 

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

4290 Bells Ferry Road, Kennesaw, Georgia, to be known as the 

Orchard Square Publix In-Store Branch. 

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

5550 Chamblee Dunwoody, Dunwoody, Georgia, to be known 

as the Dunwoody Hall Publix In-Store Branch. 

06/10/2001* 

06/10/2001* 

06/10/2001* 

06/10/2001* 

*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)(5) Commercial Bancgroup, Inc., Harrogate, Tennessee, to merge Fed Reg - 07/13/2001* 

with Cumberland Mountain Bancshares, Inc., Middlesboro, 

Kentucky, and thereby acquire Middle Federal Bank, FSB, 

Middlesboro, Kentucky. 

*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 

Member Tennessee State Bank, Pigeon Forge, Tennessee, 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 7
 

Federal Reserve Bank of Chicago
 

Applications and notifications filed during the week ending Saturday, June 16, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch	 Blencoe State Bank, Blencoe, Iowa, for prior approval to 

establish a branch at 21947 State Highway 175, Onawa, Iowa.* 

18(c)	 Cedar Rapids Bank and Trust Company, Cedar Rapids, Iowa, 

for prior approval to acquire the Cedar Rapids, Iowa branch 

office of Quad City Bank and Trust Company, Bettendorf, 

Iowa.* 

18(c) & Branch	 Central State Bank, Muscatine, Iowa, for prior approval to 

acquire the Muscatine, Iowa branch of Commercial Federal 

Bank, FSB, Omaha, Nebraska and thereby to establish a branch 

at 2400 Second Avenue, Muscatine, Iowa.* 

18(c) & Branch	 Central Trust & Savings Bank, Cherokee, Iowa, for prior 

approval to acquire the assets and liabilities of First Federal 

Bank, Sioux City, Iowa and thereby to establish a branch at 2 

Bow Drive, Cherokee, Iowa.* 

18(c) & Branch	 Commercial Trust & Savings Bank, Storm Lake, Iowa, for prior 

approval to acquire the Storm Lake, Iowa branch office of 

Commercial Federal Bank, FSB, Omaha, Nebraska and thereby 

to establish a branch at 1250 N. Lake Avenue, Storm Lake, 

Iowa.* 

Branch	 Royal American Bank, Inverness, Illinois, for prior approval to 

establish a branch at 645 Tollgate Road, Elgin, Illinois.* 

18(c) & Titonka Savings Bank, Titonka, Iowa, for prior approval to 

Branches purchase the Forest City, Iowa and Thompson, Iowa branches of 

Commercial Federal Bank, FSB, Omaha, Nebraska and thereby 

to establish a branch at 155 Jackson Street, Thompson, Iowa and 

to relocate their branch located at 101 N. Clark Street, Forest 

City, Iowa to 102 N. Clark Street, Forest City, Iowa.* 

Newspaper – 6/22/2001 

Newspaper – N/Avail 

Newspaper – 6/05/2001 

Newspaper – N/Avail 

Newspaper – N/Avail 

Newspaper – 6/20/2001 

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 

3(a)(1)	 American Bank Holdings, LLC., Cedar Falls, Iowa, for prior 

approval to become a bank holding company through the 

acquisition of 100 percent of the voting shares of American 

Bancorporation, Cedar Falls, Iowa, and thereby indirectly Cedar 

Valley Holding Company, Cedar Falls, Iowa, and Cedar Valley 

State Bank, Saint Ansgar, Iowa.* 

3(a)(1)	 Bancshares Holding Corp., Downers Grove, Illinois, for prior 

approval to become a bank holding company through the 

acquisition of 100 percent of the voting shares of The Bank of 

Commerce, Downers Grove, Illinois and by Commerce 

Investments I, Commerce Investments II and Commerce 

Investments III, all located at Oak Brook Terrace, Illinois, for 

prior approval to become a bank holding company through the 

acquisition of 27.87 percent of the voting shares of Bancshares 

Holding Corp., Downers Grove, Illinois and thereby indirectly 

acquire The Bank of Commerce, Downers Grove, Illinois.* 

3(a)(5) & 3(a)(1)	 Bank of Montreal, Montreal, Canada and Bankmont Financial 

Corp., Chicago, Illinois, for prior approval to acquire 100 

percent of the voting shares of First National Bancorp, Inc., 

Joliet, Illinois and thereby indirectly acquire First National Bank 

of Joliet, Joliet, Illinois; Bank of Montreal, Montreal, Canada 

and Harris Joliet Bankcorp, Inc., Chicago, Illinois, for prior 

approval to acquire 100 percent of the voting shares of First 

National Bancorp, Inc., Joliet, Illinois and thereby indirectly 

acquire First National Bank of Joliet, Joliet, Illinois and by 

Harris Joliet Bankcorp, Inc., Chicago, Illinois, for prior approval 

to become a bank holding company through the acquisition of 

100 percent of the voting shares of First National Bancorp, Inc., 

Joliet, Illinois and thereby indirectly acquire First National Bank 

of Joliet, Joliet, Illinois.* 

3(a)(1) & 4(c)(8)	 First Indiana Corporation, Indianapolis, Indiana, for prior 

approval to become a bank holding company through the 

acquisition of 100 percent of the voting shares of First Indiana 

Bank, National Association (in organization), Indianapolis, 

Indiana and to acquire 100 percent of the voting shares of First 

Indiana Bank, FSB, Indianapolis, Indiana..* 

3(a)(5)	 Harvard Bancorp, Inc., Harvard, Illinois, for prior approval to 

acquire 100 percent of the voting shares of Hebron Bancshares, 

Inc., Hebron, Illinois and thereby indirectly acquire Hebron 

State Bank, Hebron, Illinois.* 

3(a)(5)	 Marshall & Ilsley Corporation, Milwaukee, Wisconsin, for prior 

approval to acquire 100 percent of the voting shares of National 

City Bancorporation, Minneapolis, Minnesota and thereby 

indirectly acquire National City Bank of Minneapolis, 

Minneapolis, Minnesota.* 

Fed Reg – 7/06/2001 

Newspaper – N/Avail 

Fed Reg – 6/22/2001 

Newspaper – 6/17/2001 

Fed Reg – 6/15/2001 

Newspaper – 6/16/2001 

Fed Reg – 5/04/2001 

Newspaper – 4/30/2001 

Fed Reg – 7/02/2001 

Newspaper – 6/30/2001 

Fed Reg – 7/02/2001 

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

Ending date of 

Type Application comment period 

3(a)(3)	 Quad City Holdings, Inc., Moline, Illinois, for prior approval to 

acquire 100 percent of the voting shares of Cedar Rapids Bank 

and Trust Company (in organization), Cedar Rapids, Iowa.* 

Fed Reg – 7/09/2001 

Newspaper – N/Avail 

CIC	 Notification by William Robert Phelps, Fairmont, MN, of a 

Change in Control, for approval to retain his current 25.31 

percent of the outstanding voting shares of Swea City 

Bancorporation, Inc., Estherville, Iowa. 

Fed Reg – 5/31/2001 

Newspaper – 6/15/2001 

* 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 

4(c)(8)	 First Indiana Corporation, Indianapolis, Indiana, for prior 

approval to engage in community development activities 

through its wholly-owned subsidiary, Pioneer Service 

Corporation; and in the following nonbanking activities through 

its wholly-owned subsidiary, Somerset Financial Services, LLC, 

Indianapolis, Indiana: financial and investment advisory 

activities; management consulting and counseling activities; real 

estate and personal property appraising related to extending of 

credit and data processing. 

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

approval to acquire 100 percent of the voting shares of 

Diversified Business Credit, Inc., Minneapolis, Minnesota and 

thereby to engage in extending credit and servicing loans. 

4(c)(8)	 Northview Financial Corporation, Northfield, Illinois, for prior 

approval to retain 50 percent interest in Northview Mortgage, 

LLC, Northfield, Illinois and thereby engage in extending credit 

and servicing loans through its subsidiary, Northview Bank & 

Trust. Northfield, Illinois. 

Fed Reg – 5/04/2001 

Fed Reg – 7/02/2001 

Fed Reg – 6/18/2001 

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

Type Application 

Membership	 Cedar Rapids Bank and Trust Company (in organization), Cedar 

Rapids, Iowa, for prior approval to become a member of the 

Federal Reserve System. 

4(c)(8)	 WFC, Inc., Waukon, Iowa, for prior approval to engage in 

making and servicing loans. 
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 

61645 M&I Central State Bank 

50 Pearl Avenue 

Oshkosh, Wisconsin 54901 

(920) 236-5300 

12/20/1999 6/12/2001 S X
 

130943	 Irwin Union Bank & Trust 

500 Washington Street 

Columbus, Indiana 47201-0929 

(812) 372-0111 

10/10/2000 6/12/2001 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, June 16, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Notice by MidSouth Bank, Jonesboro, Arkansas, to establish a 

branch at 601 Holman Street, Brookland, Arkansas.* 

6/12/2001
 

18(c)	 Notice by English State Bank, English, Indiana, to merge with 

Peoples Trust Bank Company, Corydon, Indiana. The surviving 

entity will be renamed Community First Bank and will be 

located in Corydon, Indiana. (Previously submitted during the 

week ending June 2, 2001).* 

6/29/2001
 

* 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 involving First Nokomis Bancorp, Inc., Nokomis, 

Illinois, by Scherrie V. Giamanco, Springfield, Illinois, to retain 

10.32 percent. 

Newspaper – 6/30/2001 

Fed Reg – 7/3/2001 

3(a)(3)	 Notice by North Little Rock Bancshares, Inc., North Little Rock, 

Arkansas to acquire 5.69 percent of the Class A voting shares of 

Russellville Bancshares, Inc., Jonesboro, Arkansas. (Previously 

submitted during the week ending June 9, 2001).* 

Newspaper – 7/3/2001 

Fed Reg – 7/13/2001 

3(a)(1)	 Notice by Peoples Home Holding, Inc., Greenbrier, Arkansas, to 

acquire 80 percent of The Peoples Bank, Portland, Arkansas. 

(Previously submitted during the week ending June 2, 2001).* 

Newspaper – 7/6/2001 

Fed Reg – 7/2/2001 

CIC	 Notice involving Bancshares of Gleason, Inc., Gleason, 

Tennessee, by Alan Owen, Robert Owen and Eric Owen, as a 

control group, to retain 18.13 percent. (Previously submitted 

during the week ending May 19, 2001). 

Newspaper – 6/14/2001 

Fed Reg – 6/6/2001 

* 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 

458357 Bank of Ste. Genevieve 2/12/2001 6/12/2001 S X 

Sainte Genevieve, Missouri 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 9
 

Federal Reserve Bank of Minneapolis
 

Applications and notifications filed during the week ending Saturday, June 16, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) & BRANCH	 Glacier Bank of Whitefish, Whitefish, Montana, to merge with 

Glacier Bank of Eureka, Eureka, Montana, and incident thereto 

establish a branch in Eureka, Montana.* 

5(d)(3) & BRANCH	 First Security Bank of Missoula, Missoula, Montana to purchase 

certain assets and assume certain liabilities of the Missoula and 

Hamilton, Montana branches of Western Security Bank, 

Billings, Montana, and incident thereto establish five branches 

in Missoula and Hamilton, Montana.* 

5(d)(3) & BRANCH	 Glacier Bank, Kalispell, Montana, to purchase certain assets and 

assume certain liabilities of the Kalispell, Butte, and Anaconda, 

Montana branches of Western Security Bank, Billings, Montana, 

and incident thereto establish two branches in Butte and 

Anaconda, Montana.* 

BRANCH	 Farmers State Bank, Victor, Montana, to establish a branch at 

716 South 1st Street, Hamilton, Montana.* 

5(d)(3)	 Big Sky Western Bank, Big Sky, Montana, to purchase certain 

assets and assume certain liabilities of the Bozeman, Montana 

branch of Western Security Bank, Billings, Montana.* 

07/09/2001 

07/02/2001 

07/02/2001 

06/15/2001 

07/02/2001 

*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)	 Citizens State Bancorporation, Grafton, North Dakota, for prior 

approval to merge with Walhalla Bank Holding Company, 

Walhalla, North Dakota, and Ideal Bancshares, Inc., West Fargo, 

North Dakota.* 

3(a)(3)	 Farmers State Corporation, Mankato, Minnesota, to acquire 

100% of the voting shares of Owatonna Bancshares, Inc., 

Owatonna, Minnesota.* 

3(a)(3)	 First Western Bancorp, Inc., Huron, South Dakota, to acquire at 

least 74.8% of the voting shares of American Bank Shares, Inc., 

Rapid City, South Dakota.* 

Fed. Reg. – 07/09/2001 

Newspaper – 07/13/2001 

Fed. Reg. – 07/13/2001 

Newspaper – 07/06/2001 

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 10
 

Federal Reserve Bank of Kansas City
 

Applications and notifications filed during the week ending Saturday, June 16, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch SpiritBank, Tulsa, Oklahoma, for prior approval to establish a 

branch at 520 S. Knoblock, Stillwater, Oklahoma. 

Newspaper – 06/19/2001 

18(c)	 Bank of Blue Valley, Overland Park, Kansas, for prior approval 

to purchase certain assets and assume liabilities of a branch of 

Citizens Bank, N.A., Fort Scott, Kansas, located at 1235 Santa 

Fe Road, Olathe, Kansas, and incident thereto, establish a branch 

at that location. 

Newspaper – 07/12/2001 

18(c)	 Farmers Bank, In Organization, Ault, Colorado, for prior 

approval to merge with Farmers Bank, Ault, Colorado. 

Newspaper – 07/08/2001 

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

Ending date of 

Type Application comment period 

3(a)(1)	 Farmers Bank Holding Company, Ault, Colorado, for prior 

approval to become a bank holding company through the 

acquisition of 100 percent of the voting shares of Farmers Bank, 

In Organization, Ault, Colorado. 

CIC	 Barbara M. Brown, James A. Brown, Robert E. Brown, John D. 

Harmon, Teresa A. Harmon, Mary C. Tracy, and Richard A. 

Montera, all of Eaton, Colorado, for prior approval to acquire 

40.1 percent of the ownership shares of Farmers Bank Holding 

Company, Ault, Colorado. 

Newspaper – 07/08/2001 

Fed Reg – 07/13/2001 

Newspaper – 06/28/2001 

Fed Reg – 07/03/2001 

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 

Member	 Farmers Bank, In Organization, Ault, Colorado, for prior 

approval 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 11
 

Federal Reserve Bank of Dallas
 

Applications and notifications filed during the week ending Saturday, June 16, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c)	 Falcon International Bank, Laredo, TX, 

to purchase assets and assume liabilities of a branch from 

National Bank and Trust, La Grange, TX, and 

establish a branch office* 

N/Avail 

Branch	 Falcon International Bank, Laredo, TX, 

to establish a branch office at 

19230 Oak Parkway, San Antonio, TX, 78258* 

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 12
 

Federal Reserve Bank of San Francisco
 

Applications and notifications filed during the week ending Saturday, June 16, 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)	 Regents Bancshares, Inc., Vancouver, Washington, to become a 

bank holding company by acquiring 100 percent of Regents 

Bank, N.A., La Jolla, California.* 

3(a)(1)	 Trafalgar Holdings, LLC, Vancouver, Washington, to become a 

bank holding company by acquiring 60 percent of Regents 

Bancshares, Inc., Vancouver, Washington.* 

3(a)(1)	 YNB Financial Services Corp., Yakima, Washington, to become 

a bank holding company by acquiring Yakima National Bank, 

Yakima, Washington. * 

CIC	 Joseph Willy Edmonds, Seattle, Washington, to acquire 11.8 

percent of NWI Financial Corporation, Seattle, Washington.* 

CIC	 Tererence Ray Sullivan, Carol Ann Sullivan, Patrick Sean 

Sullivan of Elko, Nevada, Terrance Leroy Sullivan, Deborah Ann 

Hall, Darren Eugene Hall, of Twin Falls, Idaho, Terrance Ryan 

Sullivan, Las Vegas, Nevada, Gary Phillip Sullivan, Staten 

Island, New York, Ralph William Farley and Iris Gertrude 

Farley, Laguna Woods, California, acting in concert to acquire up 

to 25 percent of Great Basin Financial Corporation, Elko, 

Nevada.* 

Newspaper – 07/14/2001 

Fed Reg – 07/13/2001 

Newspaper – 07/14/2001 

Fed Reg – 07/13/2001 

Newspaper – Not Avail 

Fed Reg – 07/13/2001 

Newspaper – 06/25/2001 

Fed Reg – 07/03/01 

Newspaper – Not Avail 

Fed Reg – Not 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 

3(a)(5)(C)	 Clark County Bancorporation, Vancouver, Washington, to 

become a bank holding company by acquiring Bank of Clark 

County, Vancouver, Washington. 

4(c)(8)	 Intermountain Community Bancorp, Sandpoint, Idaho, to engage 

in making, acquiring, brokering or servicing loans or other 

extensions of credit for the company’s account or for the account 

of others. 

COM	 First Coastal Bancshares, El Segundo, California, requests relief 

of a debt commitment in the amount of $1 million made in 

connection with the approval of the 3(a)(1) application to acquire 

First Coastal Bank, N.A., El Segundo, California. 

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 

697763 Westamerica Bank 04/10/2000 6/12/2001 S 

4550 Mangels Boulevard 

Fairfield, California 94858 

(800) 848-1088 

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