Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 26

Week Ending June 26, 2004

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions June 20, 2004 to June 26, 2004

Testimony And Statements

Regulatory Relief -- statement by Governor Kohn before the Senate Committee on 

Banking, Housing, and Urban Affairs.

- Published, June 22, 2004 

Regulations And Policies

Affiliate Marketing -- publication for comment of proposed interagency fair credit 

reporting regulations that restrict the use of consumer information for marketing products 

and services.

- Approved, June 8, 2004 (AC)

Reserve Bank Operations

Federal Reserve Bank of Richmond -- appointment of Jeffrey M. Lacker as President, 

effective August 1, 2004.

- Approved, June 14, 2004 (AC)

(AC) = Addition or Correction Board - Page 1 of 1
June 20, 2004 to June 26, 2004

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

AmSouth Bank, Birmingham, Alabama -- to establish a branch at 18940 South Tamiami 

Trail, Fort Myers, Florida.

- Approved, June 22, 2004 

Atlanta

AmSouth Bank, Birmingham, Alabama -- to establish a branch at 18224 Highland Road, 

Baton Rouge, Louisiana.

- Approved, June 24, 2004 

Atlanta

Capital City Bank, Tallahassee, Florida -- to establish a mobile branch to operate in 

Citrus, Levy, Hernando, and Pasco Counties.

- Approved, June 7, 2004 (AC)

Secretary

Compass Bank, Birmingham, Alabama -- to establish a mobile branch in Huntsville.

- Approved, June 24, 2004 

Atlanta

First Community Bank, Debary, Florida -- to establish a branch at 101 Clyde Morris 

Boulevard, Ormond Beach.

- Approved, June 21, 2004 

Atlanta

JPMorgan Chase Bank, New York, New York -- to establish a branch at 181 East 90th 

Street.

- Approved, June 23, 2004 

New York

Nevada First Bank, Las Vegas, Nevada -- to establish a branch at 4985 B Kietzke Lane, 

Reno.

- Approved, June 23, 2004 

San Francisco

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority June 20, 2004 to June 26, 2004

Bank Branches, Domestic

Regions Bank, Birmingham, Alabama -- to establish a branch at 2893 North Druid Hill 

Road, Northeast, Atlanta, Georgia.

- Approved, June 24, 2004 

Atlanta

Riverside Bank of the Gulf Coast, Cape Coral, Florida -- to establish a branch at 6225 

East State Road 64, Bradenton.

- Approved, June 24, 2004 

Atlanta

SouthTrust Bank, Birmingham, Alabama -- to establish branches at 3325 Sugarloaf 

Parkway, Lawrenceville, Georgia; 5300 United Drive, Smyrna; 3364 Hamilton Mill 

Road, Buford; and 125 Glenridge Point Parkway, Atlanta.

- Approved, June 22, 2004 

Atlanta

Texas State Bank, McAllen, Texas -- to establish a branch at 417 South International 

Boulevard, Weslaco.

- Approved, June 23, 2004 

Dallas

The Vintage Bank, Napa, California -- to establish a branch at 3417 Broadway Street, 

American Canyon.

- Approved, June 25, 2004 

San Francisco

Bank Holding Companies

Bancshares of Florida, Inc., Naples, Florida -- to acquire Horizon Financial Corp., 

Pembroke Pines, and Horizon Bank, FSB.

- Withdrawn, June 23, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority June 20, 2004 to June 26, 2004

Bank Holding Companies

Capitol Bancorp Ltd., Lansing, Michigan, and First California Southern Bancorp, 

Escondido, California -- to acquire shares of Point Loma Community Bank, San Diego, 

California, a de novo bank.

- Approved, June 22, 2004 

Chicago

Central Texas Bankshare Holdings, Inc., Columbus, Texas, and Colorado County 

Investment Holdings, Inc., Wilmington, Delaware -- to acquire additional shares of Hill 

Bancshares Holdings, Inc., Weimar, Texas, and Hill Bank & Trust Co.

- Approved, June 23, 2004 

Dallas

Commonwealth Bancshares, Inc., Louisville, Kentucky -- to retain First Security Trust 

Bank, FSB, Florence, to be renamed First Security Trust Bank, Inc., on conversion to a 

state-chartered bank.

- Approved, June 22, 2004 

St. Louis

Pioneer Bancshares, Inc., Ponca City, Oklahoma -- to acquire shares of Brazos Valley 

Bank, N.A., College Station, Texas, a de novo bank.

- Withdrawn, June 25, 2004 

Kansas City

Vision Bancshares, Inc., Gulf Shores, Alabama -- to acquire BankTrust of Florida, 

Wewahitchka, Florida.

- Withdrawn, June 22, 2004 

Atlanta

Whitney Holding Corporation, New Orleans, Louisiana -- to merge with Madison 

BancShares, Inc., Palm Harbor, Florida, and thereby acquire Madison Bank.

- Approved, June 22, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority June 20, 2004 to June 26, 2004

Bank Mergers

Southern Community Bank and Trust, Winston-Salem, North Carolina -- to merge with 

The Community Bank, Pilot Mountain.

- Approved, June 23, 2004 

Richmond

Banks, National

HSBC Bank USA, National Association, New Castle, Delaware (in organization) -- 

location determination of master account at the Federal Reserve Bank of New York.

- Permitted, June 22, 2004 

Secretary

Change In Bank Control

SCC Bancshares, Inc., Osceola, Missouri -- change in bank control.

- Permitted, June 22, 2004 

Kansas City

Competitive Factors Reports

Amboy National Bank, Old Bridge, New Jersey -- report on competitive factors of the 

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

Township branch of Somerset Valley Bank, Somerville.

- Submitted, June 25, 2004 

New York

American Bank, Burr, Nebraska -- report on competitive factors of the proposed merger 

with First National Bank of Unadilla, Unadilla.

- Submitted, June 22, 2004 

Kansas City

Bank of O'Fallon, O'Fallon, Illinois -- report on competitive factors of the proposed 

merger with Bank of O'Fallon Interim Bank.

- Submitted, June 22, 2004 

St. Louis

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority June 20, 2004 to June 26, 2004

Competitive Factors Reports

Carver Bancorp, Inc., New York, New York -- report on competitive factors of the 

proposed acquisition of Independence Federal Savings Bank, Washington, D.C.

- Submitted, June 24, 2004 

New York

First Niagra Bank, Lockport, New York -- report on competitive factors of the 

proposed purchase of a branch from Savannah Bank, N.A., Savannah.

- Submitted, June 24, 2004 

New York

Home Federal Savings and Loan Association of Nampa, Nampa, Idaho -- report on 

competitive factors of the proposed merger with Interim Two Federal Savings Bank.

- Submitted, June 24, 2004 

San Francisco

Peoples State Bank of Munising, Munising, Michigan -- report on competitive factors of 

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

North Country Bank & Trust, Manistique.

- Submitted, June 23, 2004 

Minneapolis

Roebling Bank, Roebling, New Jersey -- report on competitive factors of the proposed 

merger with Roebling Interim Banks Nos. 1, 2, and 3.

- Submitted, June 24, 2004 

Philadelphia

Western Financial Bank, Irvine, California -- report on competitive factors of the 

proposed merger with WFS Financial, Inc.

- Submitted, June 24, 2004 

San Francisco

Extensions Of Time

Compass Bank, Birmingham, Alabama -- extension to July 23, 2005, to establish a 

branch at Antoine Drive and Tomball Parkway, Houston, Texas.

- Granted, June 22, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority June 20, 2004 to June 26, 2004

Extensions Of Time

Heritage Bank, Louisville, Colorado -- extension to September 18, 2004, to establish a 

branch at 8080 Weld County Road 13, Firestone.

- Granted, June 22, 2004 

Kansas City

Prairieland Bancorp Employee Stock Ownership Plan and Trust, Bushnell, Illinois -- 

extension to October 9, 2004, to increase its ownership in Prairieland Bancorp, Inc., and 

thereby acquire Farmers and Merchants State Bank.

- Granted, June 22, 2004 

Chicago

Financial Holding Companies

Mercersburg Financial Corporation, Mercersburg, Pennsylvania -- election to become a 

financial holding company.

- Effective, June 23, 2004 

Philadelphia

International Operations

The Bank of New York, New York, New York -- waiver of remainder of notification 

period for BNY International Financing Corporation to make an additional investment in 

BNY Holdings (UK) Limited, London, England.

- Granted, June 21, 2004 

Director, BS&R

HSBC USA, Inc., New York, New York -- for its subsidiary, HSBC Bank USA, N.A. 

(in formation), New Castle, Delaware, to invest in HSBC Bank (Panama) S.A., Panama 

City, Panama, a de novo bank.

- Withdrawn, June 25, 2004 

New York

Membership

The New Tripoli National Bank, New Tripoli, Pennsylvania -- to become a member of 

the Federal Reserve System.

- Approved, June 23, 2004 

Philadelphia

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority June 20, 2004 to June 26, 2004

Regulations And Policies

Regulation CC -- technical amendments to appendix A to reflect the restructuring of 

check processing operations in the Cleveland, Richmond, and St. Louis Federal Reserve 

Districts.

- Approved, June 22, 2004 

Secretary

(AC) = Addition or Correction Delegated - Page 7 of 7
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, June 26, 2004

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) Northeast Bancorp, Auburn, Maine – to become a bank holding 

company through the acquisition of 100% of Northeast Bank, 

FSB, Auburn, Maine, which is in the process of converting to a 

state member bank.

Newspaper – N/Avail

Fed Reg – 07/23/2004

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 facilitie s.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, June 26, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch* The Adirondack Trust Company, Saratoga Springs, New York, 

to establish a full service branch office in the Town of 

Greenfield at 100 Saratoga Blvd., Saratoga Springs, New York.

Newspaper – 07/15/2004

FBSEA Banco Del Estado De Chile, Santiago, Chile, to establish a statelicensed branch in New York, New York.Newspaper – N/Avail

Branch* Bank of Smithtown, Smithtown, New York, to establish a 

branch office at 61 Shore Road, Port Washington, New York.

Newspaper – 07/01/2004

FBSEA Depfa Bank Plc, Dublin Ireland, to upgrade its agency in New 

York, New York, to a branch office,

Newspaper – N/Avail

Branch* Interchange Bank, Saddle Brook, New Jersey, to establish a 

branch office at 517 Cedar Lane, Teaneck, New Jersey.

Newspaper – 07/07/2004

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

Type Application

Ending date of

comment period

3A1* Rhinebeck Bancorp, MHC, Poughkeepsie, New York, to 

become a bank holding company through the acquisition of 

100% of the voting shares of Rhinebeck Savings Bank, 

Rhinebeck, New York.

Newspaper – 07/30/2004

Fed Reg – 07/06/2004

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, June 26, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, June 26, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch Fifth Third Bank, Grand Rapids, MI to establish a branch at 251 

Brook Forest Avenue, Shorewood, IL

Newspaper – 06/12/2004

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

2710 North Narragansett Avenue, Chicago, IL

Newspaper – 06/12/2004

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

1725 North Harlem Avenue, Chicago, IL

Newspaper – 06/12/2004

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

7150 Mannheim Road, Rosemont, IL

Newspaper – 06/12/2004

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

9344 Skokie Boulevard, Skokie, IL

Newspaper – 06/12/2004

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

2001 Spring Arbor Road, Jackson, MI

Newspaper – 06/12/2004

*Branch Fifth Third Bank, Cincinnati, OH to establish a temporary 

branch at The Pete Day Golf Course, 801 Aaron Smith Drive, 

Bridgeport, WV

Newspaper – 06/29/2004

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

2010 Whitaker Road, Ypsilanti, MI

Newspaper – 06/22/2004

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

southeast corner of Gratiot Avenue and East State Fair Street, 

Detroit, MI

Newspaper – 06/22/2004

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

northeast corner of East Jefferson Avenue and McDougall 

Street, Detroit, MI

Newspaper – 06/22/2004

*Branch Fifth Third Bank, Grand Rapids, MI to establish a branch at 321 

South Saginaw Road, Midland, MI

Newspaper – 06/22/2004

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

6620 South Tamiami Trail, Sarasota, FL

Newspaper – 06/22/2004

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

east side of Dixie Highway south of Kendall Road, Louisville, 

KY

Newspaper – 06/22/2004

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

3821 Ruckriegel Parkway, Louisville, KY

Newspaper – 06/22/2004
Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

1975 Highland Pike, Fort Wright, KY

Newspaper – 06/22/2004

*Branch Fifth Third Bank, Grand Rapids, MI to establish a branch at 333 

West Army Trail Road, Bloomingdale, IL

Newspaper – 06/22/2004

*Branch Fifth Third Bank, Grand Rapids, MI to establish a branch at 837 

West North Avenue, Chicago, IL

Newspaper – 06/24/2004

*18(c), *Branch Whitaker Bank, Inc., Lexington, KY to merge with Mount 

Sterling Bank, Inc., Mount Sterling, KY and Morehead Bank, 

Inc., Morehead, KY pursuant to section 18(c) of the Federal 

Deposit Insurance Act and incident thereto establish branches 

pursuant to section 9 of the Federal Reserve Act.

Newspaper – 07/16/2004

*Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1), *3(a)(5) Camco Financial Corporation, Cambridge, Ohio, to become a 

bank holding company by acquiring 100 percent of London 

Financial Corporation and its wholly-owned subsidiary, The 

Citizens Bank of London, both of London, Ohio.

Newspaper – 06/23/2004

Fed Reg – 06/18/2004

CIC Notice of Change in Control filed by The Dlesk Family (Rosalie 

J. Dlesk and Sylvan J. Dlesk and Randall Dlesk and Jane Dlesk), 

Wheeling, WV of their intent to acquire an additional 9,000 

voting shares of First West Virginia Bancorp, Inc., Wheeling, 

WV and increase their ownership position to 161,442 shares or 

10.56% of the total shares outstanding.

Newspaper – 05/20/2004

Fed Reg – 06/01/2004

*3(a)(5) Huntington Bancshares, Inc., Columbus, OH, to acquire Unizan 

Financial Corp., Canton, OH.

Newspaper – 04/28/2004

Fed Reg – 04/23/2004

*3(a)(5), *4(c)(8) National City Corporation, Cleveland, OH, to acquire Wayne 

Bancorp, Inc., Wooster, OH, pursuant to sections 3 and 4 of the 

Bank Holding Company Act.

Newspaper – N/Avail

Fed Reg – 07/16/2004

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

Fidelity Bancorp, Inc., Pittsburgh, PA and thereby indirectly 

acquire Fidelity Savings Bank, Pittsburgh, PA.

Newspaper – 07/07/2004

Fed Reg – 07/08/2004
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

*18(c), *4(c)(8), 

*Branch

Wesbanco, Inc., and WFCO, Inc., both of Wheeling, WV, to 

acquire Western Ohio Financial Corporation, Springfield, OH 

and its subsidiary, Cornerstone Bank, Springfield, OH pursuant 

to section 4(c)(8) of the Bank Holding Company Act and 

Wesbanco Bank, Wheeling, WV to merge with Cornerstone 

Bank, pursuant to section 18(c) of the Federal Deposit Insurance 

Act and incident thereto establish branch facilities pursuant to 

section 9 of the Federal Reserve Act.

Newspaper – 06/17/2004

Fed Reg – 06/21/2004

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.
Section V – Availability of CRA public evaluations

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

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 26, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

1216291 Resource Bank

37 20 Virginia Beach Boulevard

Virginia Beach, Virginia 23452

(Inadvertently omitted from the 

bulletin for the week ending June 12, 

2004).

03/15/2004 06/06/2004 S X

969424 Highlands Union Bank

 340 West Main Street

 Abingdon, Virginia 24210

03/22/2004 06/20/2004 S X

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 26, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First Commercial Bank of Cullman County, Cullman, Alabama, 

to establish a branch located at 19129 US Highway 31, 

Vinemont, Alabama.*

Newspaper – 07/03/2004

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

located at Pad C in the development of Village at Lee Branch, at 

the intersection of Highway 280 and Doug Baker Boulevard, 

Birmingham, Alabama.*

Newspaper – 07/02/2004

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

3340 Cobb Parkway, Acworth, Georgia, to be known as the 

Acworth Commons Office.*

Newspaper – 06/23/2004

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

220 S. Main Street, Blacksburg, Virginia, to be known as the 

Kent Square Office.*

Newspaper – 06/23/2004

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(5) SunTrust Banks, Inc., Atlanta, Georgia, to merge with National 

Commerce Financial Corporation, and thereby acquire its 

subsidiary, National Bank of Commerce, both of Memphis, 

Tennessee.*

Newspaper – 07/17/2004

Fed Reg – 07/19/2004

4(c)(8) SunTrust Banks, Inc., Atlanta, Georgia, to acquire NBC Bank, 

F.S.B., Memphis, Tennessee, and thereby engage in operating a 

savings association.*

Newspaper – 07/17/2004

Fed Reg – 07/19/2004

4(c)(8) SunTrust Banks, Inc., Atlanta, Georgia, to acquire First Market 

Bank, F.S.B., Memphis, Tennessee, and thereby engage in 

operating a savings association.*

Newspaper – 07/17/2004

Fed Reg – 07/19/2004

3(a)(1) Beach Community Bancshares, Inc., Fort Walton Beach, 

Florida, to become a bank holding company by acquiring 100 

percent of the outstanding shares of Beach Community Bank, 

Fort Walton Beach, Florida.*

Newspaper – 07/15/2004

Fed Reg – 07/19/2004
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(1) Gulf Atlantic Financial Group, Inc., Tallahassee, Florida, to 

become a bank holding company by acquiring 100 percent of the 

outstanding shares of First National Bank, Tarpon Springs, 

Florida.*

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(1) NSB Holdings, Inc., Macon, Georgia, to become a bank holding 

company by acquiring 100 percent of the outstanding shares of 

New Southern Bank, Macon, Georgia.*

Newspaper – 05/17/2004

Fed Reg – 06/03/2004

3(a)(3) Southwest Florida Community Bancorp, Inc., Fort Myers, 

Florida, to acquire at least 80 percent of the outstanding shares 

of Community Bank of Cape Coral, Cape Coral, Florida (in 

organization).*

Newspaper – 07/15/2004

Fed Reg – 07/22/2004

CIC Vernon Bancshares, Inc., Leesville, Louisiana, prior change in 

control notification by Ms. Billie Sims McRae, Mr. Ralph 

Dillion McRae, Sr., and Mr. William Vernon McRae, all of 

Leesville, Louisiana, to collectively acquire an additional 6.25 

percent of the outstanding shares of Vernon Bancshares, and its 

subsidiary, Vernon Bank, both of Leesville, Louisiana. Total 

ownership will equal 27.99 percent.

Newspaper – 07/10/2004

Fed Reg – 07/08/2004

* Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) SunTrust Banks, Inc., Atlanta, Georgia, to acquire First 

Mercantile Trust Company, Memphis, Tennessee, and thereby 

engage in operating nonbank depository institutions and to 

engage in financial and investment advisory activities.

Fed Reg – 07/19/2004

4(c)(8) SunTrust Banks, Inc., Atlanta, Georgia, to acquire FMT Capital 

Management, Inc., Memphis, Tennessee, and thereby engage in 

financial and investment advisory activities.

Fed Reg – 07/19/2004

4(c)(8) SunTrust Banks, Inc., Atlanta, Georgia, to acquire 

TransPlatinum Service Corp., Nashville, Tennessee, and thereby 

engage in data processing activities.

Fed Reg – 07/19/2004

4(c)(8) SunTrust Banks, Inc., Atlanta, Georgia, to acquire Commerce 

Capital Management, Inc., Memphis, Tennessee, and thereby 

engage in financial and investment advisory activities.

Fed Reg – 07/19/2004

4(c)(8) SunTrust Banks, Inc., Atlanta, Georgia, to acquire USI Alliance 

Corp., Memphis, Tennessee, and thereby engage in leasing 

personal or real property activities, and to engage in community 

development activities.

Fed Reg – 07/19/2004
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) SunTrust Banks, Inc., Atlanta, Georgia, to acquire Senior 

Housing Crime Prevention Foundation Investment Corporation, 

Memphis, Tennessee, and thereby engage in community 

development activities.

Fed Reg – 07/19/2004

4(c)(8) SunTrust Banks, Inc., Atlanta, Georgia, to acquire Brooks, 

Montague & Associates, Inc., Chattanooga, Tennessee, and 

thereby engage in financial and investment advisory activities.

Fed Reg – 07/19/2004

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None
Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, June 26, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Town & Country Bank of Springfield, Springfield, Illinois, to 

establish a branch facility to be located at 2601 North Dirksen 

Parkway, Springfield, Illinois.*

Newspaper – N/Avail

* 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) Associated Banc-Corp., Green Bay, Wisconsin, to acquire 100 

percent of the voting shares of First Federal Capital Corp., 

LaCrosse, Wisconsin, and thereby indirectly acquire First 

Federal Capital Bank, LaCrosse, Wisconsin, and thereby operate 

a savings association, and engage in credit insurance activities.*

Fed Reg – 07/08/2004

Newspaper – N/Avail

3(a)(1) Central Wisconsin Financial Services, Inc., Wausau, Wisconsin, 

to become a bank holding company by acquiring 100 percent of 

the voting shares of Bank of Wausau, Wausau, Wisconsin.*

Fed Reg – 07/09/2004

Newspaper – 07/05/2004

CIC Notice by Darin J. Johnson, Sutherland, Iowa, to gain control of 

Old O'Brien Banc Shares, Inc., Sutherland, Iowa, and thereby 

indirectly Security State Bank, Sutherland, Iowa, and Hawarden 

Banking Company, Hawarden, Iowa.

Fed Reg – 05/26/2004

Newspaper – N/Avail

3(a)(3) Oswego Community Bank Employee Stock Ownership Plan, 

Oswego, Illinois, to increase their ownership to 51 percent of 

Oswego Bancshares, Inc., Oswego, Illinois, and thereby 

indirectly acquire Oswego Community Bank, Oswego, Illinois.*

Fed Reg – N/Avail

Newspaper – 07/17/2004

3(a)(3) Parkway Bancorp, Inc., Harwood Heights, Illinois, to acquire 

100 percent of the voting shares of United Arizona Bank, 

National Association, Cave Creek, Arizona.*

Fed Reg – 06/07/2004

Newspaper – N/Avail

CIC Notice by Paul E. Menzel, Hartland, Wisconsin, to retain 19.32

percent of Ridgestone Financial Services, Inc., Brookfield, 

Wisconsin, and thereby indirectly control Ridgestone Bank, 

Brookfield, Wisconsin.

Fed Reg – 06/03/2004

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

community be evaluated 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

651149 State Bank

728 N. Grand Avenue

Spencer, Iowa 51301-3706

(712) 262-6580

02/23/2004 06/23/2004 S X

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 26, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Town & Country Bank of Springfield, Springfield, Illinois, to 

establish a branch facility to be located at 2601 North Dirksen 

Parkway, Springfield, Illinois.*

Newspaper – N/Avail

* 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) Associated Banc-Corp., Green Bay, Wisconsin, to acquire 100 

percent of the voting shares of First Federal Capital Corp., 

LaCrosse, Wisconsin, and thereby indirectly acquire First 

Federal Capital Bank, LaCrosse, Wisconsin, and thereby operate 

a savings association, and engage in credit insurance activities.*

Fed Reg – 07/08/2004

Newspaper – N/Avail

3(a)(1) Central Wisconsin Financial Services, Inc., Wausau, Wisconsin, 

to become a bank holding company by acquiring 100 percent of 

the voting shares of Bank of Wausau, Wausau, Wisconsin.*

Fed Reg – 07/09/2004

Newspaper – 07/05/2004

CIC Notice by Darin J. Johnson, Sutherland, Iowa, to gain control of 

Old O'Brien Banc Shares, Inc., Sutherland, Iowa, and thereby 

indirectly Security State Bank, Sutherland, Iowa, and Hawarden 

Banking Company, Hawarden, Iowa.

Fed Reg – 05/26/2004

Newspaper – N/Avail

3(a)(3) Oswego Community Bank Employee Stock Ownership Plan, 

Oswego, Illinois, to increase their ownership to 51 percent of 

Oswego Bancshares, Inc., Oswego, Illinois, and thereby 

indirectly acquire Oswego Community Bank, Oswego, Illinois.*

Fed Reg – N/Avail

Newspaper – 07/17/2004

3(a)(3) Parkway Bancorp, Inc., Harwood Heights, Illinois, to acquire 

100 percent of the voting shares of United Arizona Bank, 

National Association, Cave Creek, Arizona.*

Fed Reg – 06/07/2004

Newspaper – N/Avail

CIC Notice by Paul E. Menzel, Hartland, Wisconsin, to retain 19.32

percent of Ridgestone Financial Services, Inc., Brookfield, 

Wisconsin, and thereby indirectly control Ridgestone Bank, 

Brookfield, Wisconsin.

Fed Reg – 06/03/2004

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

community be evaluated 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

651149 State Bank

728 N. Grand Avenue

Spencer, Iowa 51301-3706

(712) 262-6580

02/23/2004 06/23/2004 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 26, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

facility to be located at 100 West Shawnee Street, Muskogee, 

Oklahoma.*

Newspaper – 07/04/2004

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3A3 First Banks, Inc., St. Louis, Missouri, to acquire up to 24.99 

percent of Community West Bancshares, Goleta, California, and 

thereby indirectly acquire Goleta National Bank, Goleta, 

California.*

Newspaper – 07/28/2004

Fed Reg – 07/26/2004

* 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

524757 Farmers BankParsons, 

Tennessee

03/15/2004 06/25/2004 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, June 26, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) & Branch Pioneer Bank, Mapleton, Minnesota, proposes to purchase the 

assets and assume the liabilities of the North Mankato, 

Minnesota, branch of the 21st Century Bank, Ham Lake, 

Minnesota, and incident thereto establish a branch at 1735 

Commerce Drive, North Mankato, Minnesota.*

Newspaper – 07/09/2004

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Crosstown Holding Company, Blaine, Minnesota, to acquire 

control of all the issued and outstanding voting stock of State 

Bank of Loretto, Loretto, Minnesota.*

Fed Reg – 07/26/2004

Newspaper – N/Avail

3(a)(1) & 4(c)(8) Western Transaction Corporation, Duluth, Minnesota, to become 

a bank holding company by acquiring 100% of Western 

National Bank, Duluth, Minnesota; and 100% of Cass Lake 

Company, Duluth, Minnesota; and thereby indirectly acquiring 

The First National Bank of Cass Lake, Cass Lake, Minnesota. 

Applicant also proposes to acquire 100% of Premier Credit 

Corporation, Duluth, Minnesota, an industrial loan company, 

and, through Cass Lake Company, Duluth, Minnesota, to engage 

in insurance agency activities in a town with a population not 

exceeding 5,000.*

Fed Reg – 07/06/2004

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

Other Foreign U.S. Bank National Association, Cincinnati, Ohio, to establish 

NOVA Canadian Holdings Company, Minneapolis, Minnesota, 

as an agreement corporation, pursuant to section 211.5(g) of 

Regulation K.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, June 26, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) & Branch Pioneer Bank, Mapleton, Minnesota, proposes to purchase the 

assets and assume the liabilities of the North Mankato, 

Minnesota, branch of the 21st Century Bank, Ham Lake, 

Minnesota, and incident thereto establish a branch at 1735 

Commerce Drive, North Mankato, Minnesota.*

Newspaper – 07/09/2004

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Crosstown Holding Company, Blaine, Minnesota, to acquire 

control of all the issued and outstanding voting stock of State 

Bank of Loretto, Loretto, Minnesota.*

Fed Reg – 07/26/2004

Newspaper – N/Avail

3(a)(1) & 4(c)(8) Western Transaction Corporation, Duluth, Minnesota, to become 

a bank holding company by acquiring 100% of Western 

National Bank, Duluth, Minnesota; and 100% of Cass Lake 

Company, Duluth, Minnesota; and thereby indirectly acquiring 

The First National Bank of Cass Lake, Cass Lake, Minnesota. 

Applicant also proposes to acquire 100% of Premier Credit 

Corporation, Duluth, Minnesota, an industrial loan company, 

and, through Cass Lake Company, Duluth, Minnesota, to engage 

in insurance agency activities in a town with a population not 

exceeding 5,000.*

Fed Reg – 07/06/2004

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

Other Foreign U.S. Bank National Association, Cincinnati, Ohio, to establish 

NOVA Canadian Holdings Company, Minneapolis, Minnesota, 

as an agreement corporation, pursuant to section 211.5(g) of 

Regulation K.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, June 26, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Webb City Bank, Webb City, Missouri, to establish a branch at 

Airport Road and North Main, Airport Road Village, Missouri.

Newspaper – 07/03/2004

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

921655 Cottonwood Valley Bank

Main Street

Cedar Point, Kansas 66843

03/29/2004 06/18/2004 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, June 26, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC Mr. Frank H. Miller, Paris, TX, only notificant, to acquire an 

interest in Cooper Lake Financial Corporation, Cooper, TX

Fed Reg – 07/13/2004

Newspaper – 07/12/2004

3(a)(3) Southwest Bancorporation of Texas, Inc., Houston, TX, and 

Southwest Holdings Delaware, Inc., Wilmington, DE, to acquire 

Klein Bancshares, Inc., Houston, TX, Klein Bancshares of 

Delaware, Inc., Wilmington, DE, and Klein Bank, Klein, TX*

Fed Reg – 07/09/2004

Newspaper – 07/17/2004

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, June 26, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch The Vintage Bank, Napa, California, to establish a branch 

facility to be located at 3417 Broadway Street, American 

Canyon, California.*

Newspaper – 06/22/2004

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None