Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 3

Week Ending January 20, 2001

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions January 14, 2001 to January 20, 2001

Regulations And Policies

Basel Capital Accord -- interagency request for comment on the Basel Committee on 

Banking Supervision's proposed amendment of the 1988 international capital 

adequacy framework.

- Announced, January 16, 2001 

Deterrence of money laundering -- interagency guidance and Federal Reserve 

supervisory letter on enhanced scrutiny for transactions that may involve the 

proceeds of foreign official corruption.

- Announced, January 16, 2001 

Information security standards -- final interagency guidelines for safeguarding 

confidential customer information and rescission of the Year 2000 safety and 

soundness standards [Docket No. R-1073].

- Approved, December 20, 2000 (AC)

Regulation H -- joint final rule establishing alternative criteria for certain large banks 

to control a financial subsidiary [Docket No. R-1066].

- Approved, January 17, 2001 

Enforcement

Bank of Greenville, Greenville, West Virginia -- written agreement dated January 12, 

2001, with the Federal Reserve Bank of Richmond and the West Virginia Division of 

Banking.

- Announced, January 18, 2001 

(AC) = Addition or Correction Board - Page 1 of 1
January 14, 2001 to January 20, 2001

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

International Fiance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Bank of the Orient, San Francisco, California -- to establish a branch at 18605 E. 

Gale Avenue, City of Industry.

- Approved, January 12, 2001 (AC)

San Francisco

Old Kent Bank, Grand Rapids, Michigan -- to establish branches at 935 Union Lake 

Road, White Lake Township, and 7700 Nemco Way, Brighton.

- Approved, January 17, 2001 

Secretary

Pacific Liberty Bank, Huntington Beach, California -- to establish a branch at 1600 

Springdale Street.

- Approved, January 17, 2001 

San Francisco

Pulaski Bank and Trust Company, Little Rock, Arkansas -- to establish a branch at 

Markham and Monroe Streets.

- Approved, January 18, 2001 

St. Louis

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 207 Russell Parkway, 

Warner Robins.

- Approved, January 19, 2001 

Atlanta

Bank Holding Companies

ANB Bancorp, Inc., Atlanta, Illinois -- to become a bank holding company through 

the acquisition of Atlanta National Bank.

- Approved, January 19, 2001 

Chicago

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority January 14, 2001 to January 20, 2001

Bank Holding Companies

Cumberland Bancorp, Inc., Nashville, Tennessee -- waiver of application in 

connection with the acquisition of Cumberland Interim Bank, Brentwood.

- Granted, January 17, 2001 

Atlanta

Dickinson Holdings, Inc., Dickinson, Texas, and Dickinson Holdings of Delaware, 

Inc., Wilmington, Delaware -- for Dickinson Holdings of Delaware, Inc. to become a 

bank holding company through the acquisition of The Citizens State Bank of 

Dickinson, Dickinson, Texas, and League City Bank and Trust, League City; and for 

Dickinson Holdings, Inc. to become a bank holding company through the acquisition 

of all three institutions.

- Approved, January 17, 2001 

Dallas

Eldorado Bancshares, Inc., Laguna Hills, California -- relief from a commitment.

- Granted, January 3, 2001 (AC)

San Francisco

Frontier Financial Corporation, Everett, Washington -- to merge with Interbancorp, 

Inc., Duvall, and thereby acquire Inter Bank.

- Approved, January 18, 2001 

San Francisco

Gateway Bancorp, LLC, Santa Ana, California -- to become a bank holding company 

through the acquisition of Bank of Lakewood, Lakewood, and to acquire Mission 

Hills Mortgage Company, Santa Ana.

- Approved, January 18, 2001 

San Francisco

Glacier Bancorp, Inc., Kalispell, Montana -- to acquire WesterFed Financial 

Corporation, Missoula, and Western Security Bank and thereby engage in operating 

a savings association.

- Approved, January 19, 2001 

Minneapolis

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority January 14, 2001 to January 20, 2001

Bank Holding Companies

Indiana United Bancorp, Greensburg, Indiana -- to acquire Regional Federal Savings 

Bank, New Albany.

- Approved, January 16, 2001 

Chicago

Nebraska Bankshares, Inc., Farnam, Nebraska -- to acquire additional shares of 

Stockmens Financial Corporation, Rapid City, South Dakota, and thereby increase 

its ownership interest in Security First Bank, Sidney, Nebraska, and BankWest, 

Castle Rock, Colorado.

- Approved, January 18, 2001 

Kansas City

Northstar Financial Group, Inc., Bad Axe, Michigan -- to become a bank holding 

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

- Approved, January 16, 2001 

Chicago

Remada Holdings, Inc., Minnetonka, Minnesota -- to become a bank holding 

company through the acquisition of Claremont Financial Services, Inc., St. Paul, and 

Alliance Bank of Blooming Prairie, Blooming Prairie.

- Approved, January 19, 2001 

Minneapolis

Bank Mergers

SouthTrust Bank, Birmingham, Alabama -- to purchase certain assets and assume 

certain liabilities of three Panama City Beach, Florida, branches of First Union 

National Bank, Charlotte, North Carolina, and thereby establish a branch at 200 

South Arnold Road, Panama City Beach.

- Approved, January 19, 2001 

Atlanta

Banks, Nonmember, And Miscellaneous Institutions

Liberty Media Corporation, Englewood, Colorado -- registration under Regulation U.

- Approved, January 19, 2001 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority January 14, 2001 to January 20, 2001

Banks, State Member

SpiritBank, Tulsa, Oklahoma -- to engage de novo in trust activities.

- Approved, January 19, 2001 

Kansas City

Change In Bank Control

Bluegrass Bancshares, Inc., Lexington, Kentucky -- change in bank control.

- Permitted, January 16, 2001 

Cleveland

CB Bancorp, Inc., Higginsport, Ohio -- change in bank control.

- Permitted, January 19, 2001 

Cleveland

Garvin County Bancshares, Inc., Wynnewood, Oklahoma -- change in bank control.

- Permitted, January 17, 2001 

Kansas City

Hardin County Bancshares, Inc., Savannah, Tennessee -- change in bank control.

- Permitted, January 18, 2001 

St. Louis

Patriot National Bancorp, Inc., Stamford, Connecticut -- change in bank control.

- Permitted, January 12, 2001 (AC)

New York

Tennessee State Bancshares, Inc., Pigeon Forge, Tennessee -- change in bank control.

- Permitted, January 17, 2001 

Atlanta

Throckmorton Bancshares, Inc., Throckmorton, Texas -- change in bank control.

- Permitted, January 18, 2001 

Dallas

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority January 14, 2001 to January 20, 2001

Competitive Factors Reports

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

acquisition of the Irvine branch of FirstPlus Bank, Tustin.

- Submitted, January 18, 2001 

San Francisco

American National Bank and Trust Company, Sapulpa, Oklahoma -- report on 

competitive factors of the proposed merger with Heritage Bank, Mannford.

- Submitted, January 17, 2001 

Kansas City

Blackhawk State Bank, Milan, Illinois -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the Silvis, Colona, and 

Moline branches of Old Kent Bank, Grand Rapids, Michigan.

- Submitted, January 18, 2001 

Chicago

Commerce Bank, National Association, Kansas City, Missouri -- report on 

competitive factors of the proposed merger with Commerce Bank, National 

Association, Breckenridge Hills.

- Submitted, January 17, 2001 

Kansas City

Cornerstone Bank, National Association, York, Nebraska -- report on competitive 

factors of the proposed merger with The First National Bank of Stromsburg, 

Stromsburg.

- Submitted, January 17, 2001 

Kansas City

Farmers State Bank of Somonauk, Somonauk, Illinois -- report on competitive 

factors of the proposed merger with Millbrook-Newark Bank, Newark.

- Submitted, January 18, 2001 

Chicago

Fidelity Bankshares II, Inc., West Palm Beach, Florida -- report on competitive 

factors of the proposed acquisition of Fidelity Federal Bank and Trust.

- Submitted, January 17, 2001 

Atlanta

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority January 14, 2001 to January 20, 2001

Competitive Factors Reports

Juniper Bank, Wilmington, Delaware -- report on competitive factors of the 

proposed merger with First Bank, CBC, Maryville, Missouri.

- Submitted, January 18, 2001 

Philadelphia

United Bank of Iowa, Ida Grove, Iowa -- report on competitive factors of the 

proposed merger with United Bank of Iowa, Carroll.

- Submitted, January 18, 2001 

Chicago

Zions First National Bank, Salt Lake City, Utah -- report on competitive factors of 

the proposed merger with Draper Bank & Trust, Draper.

- Submitted, January 19, 2001 

Secretary

Extensions Of Time

First Bancshares Corporation, Gladstone, Michigan -- extension to April 19, 2001, to 

acquire additional shares of Baybank Corporation.

- Granted, January 18, 2001 

Minneapolis

Spectrum Bancorporation, Inc., Omaha, Nebraska -- extension to May 27, 2001, to 

acquire Great Western Securities, Inc.

- Granted, January 5, 2001 (AC)

Chicago

The Sumitomo Bank Limited, Osaka, Japan -- extension to April 20, 2001, to 

acquire Manufacturers Bank, Los Angeles, California, in connection with the merger 

with The Sakura Bank, Limited, Tokyo, Japan.

- Granted, January 17, 2001 

San Francisco

Financial Holding Companies

National Banking Corp., North Little Rock, Arkansas -- election to become a 

financial holding company.

- Effective, January 19, 2001 

St. Louis

(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, January 20, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Regulation K The Royal Bank of Scotland plc, Edinburgh, Scotland to

establish a state-licensed representative office in Houston, Texas

Newspaper - N/avail

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 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, January 20, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Sparkasse Stockerau AG, Vienna, Austria, to establish federal

branches in Greenwich, Connecticut, and New York, New York,

and representative offices in San Francisco, California, and

Atlanta, Georgia.*

Newspaper – N/Avail

FBSEA RheinHyp Rheinische Hypothekenbank, AG, Frankfurt,

Germany, 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

Type Application

Ending date of

comment period

3(a)(3)/3(a)(5) Financial Institutions, Inc., Warsaw, New York, to acquire Bath

National Corporation, and its wholly-owned subsidiary, Bath

National Bank, both of Bath, New York.

Newspaper – 02/14/2001

Fed Reg – 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

None

Section VI – CRA examinations scheduled for First Quarter of 2001

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, January 20, 2001

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

4(c)(8) TheBancorp.com, Inc., Wilmington, DE, to acquire G & L

Holding Group Inc., Pensacola, FL, and its subsidiary bank

G & L Bank.

Newspaper: 02/13/01

Fed. Reg. N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, January 20, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Received application from Iron & Glass Bank, Pittsburgh, PA on

01/17/2001 of its intent to acquire select assets and purchase the

deposit liabilities of the Bethel Park, PA branch of Reliable

Savings Bank.

02/15/2001

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

Type Application

Ending date of

comment period

3(a)(5) Received application from F.N.B. Corporation, Hermitage, PA

on 01/18/2001 of its intent to acquire Citizens Community

Bancorp, Inc., and its bank subsidiary Citizens Community Bank

of Florida, both located in Marco Island, FL.

Not Yet Known#

3(a)(5) Received application from F.N.B. Corporation, Hermitage, PA

on 01/18/2001 of its option to acquire up to 19.9% of the voting

shares of Citizens Community Bancorp, Inc., and its bank

subsidiary Citizens Community Bank of Florida, both located in

Marco Island, FL.

Not Yet Known#

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Received application from F.N.B. Corporation, Hermitage, PA

on 01/18/2001 of its intent to acquire the non-bank subsidiaries

of Citizens Community Bancorp, Inc., Marco Island, FL.

Not Yet Known#
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, January 20, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) First Bancorp, Troy, North Carolina, to merge with Century

Bancorp, Inc., Thomasville, North Carolina.*

Fed Reg - 02/09/2001

Newspaper - 02/10/2001

3(a)(1) Southern Community Financial Corporation, Winston-Salem,

North Carolina, to become a bank holding company through

the acquisition of 100% of the voting shares of Southern

Community Bank and Trust, Winston-Salem, North Carolina.*

Fed Reg - N/Avail

Newspaper - 02/15/2001

*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

4(c)(8) Highlands Bankshares, Inc., Petersburg, West Virginia, to retain

Highlands Bankshares Trust Company, Petersburg, West

Virginia.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, January 20, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Fifth Third Bank, Naples, Florida, to establish a branch located

at 999 Vanderbilt Beach Road, Naples, Florida.

02/02/2001*

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

located at 4334 Ringgold Road, Chattanooga, Tennessee, to be

known as the East Ridge Branch.

01/26/2001*

18(c) Pointe Bank, Boca Raton, Florida, to acquire certain assets and

assume certain liabilities of four Miami-Dade branches of

Republic Bank, St. Petersburg, Florida. The branches are

located at: Coral Gables Branch, 2222 Ponce de Leon

Boulevard, Coral Gables, Florida, South Miami Branch, 8211

South Dixie Highway, Miami, Florida, Air Park Branch, 720

N.W. 57th Avenue, Miami, Florida, and the Doral Branch, 9785

N.W. 41st Street, Miami, Florida.

N/Avail*

*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)(3) Synovus Financial Corporation, Columbus, Georgia, to acquire

5.98 percent of the outstanding shares of Juniper Financial

Corporation, Wilmington, Delaware (in organization).

Fed Reg – 02/22/2001*

*Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

COM Southern Bancorp, Inc., Marietta, Georgia, commitment waiver

request.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, January 20, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank of Elmwood, Racine, Wisconsin, for prior approval to

establish a branch at State Highway 31 and Washington Road,

Kenosha, Wisconsin.*

Newspaper – 01/15/2001

18c &

 Branch

Security State Bank, New Hampton, Iowa, for prior approval to

merge with its affiliate bank, Security State Bank, Calmar, Iowa

and thereby establish branch offices at 102 W. Main, Calmar,

Iowa and 106 E. Main, Ossian, Iowa*

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

3(a)(3) Admiral Family Banks, Inc., Alsip, Illinois, for prior approval to

acquire 81.4 percent of the voting shares of Federated Bancorp,

Inc., Onarga, Illinois, and thereby indirectly acquire Federated

Bank, Onarga, Illinois.*

Fed Reg – 02/08/2001

Newspaper – 02/02/2001

3(a)(1) Alpha Financial Group, Inc. Employee Stock Ownership Plan,

Toluca, Illinois, for prior approval to become a bank holding

company through the acquisition of 31.61 percent of the voting

shares of Alpha Financial Group, Inc. Minonk, Illinois; and

thereby indirectly acquire Alpha Community Bank, Toluca,

Illinois.*

Fed Reg – 02/01/2001

Newspaper – 01/28/2001

3(a)(1) American Bancorporation, Cedar Falls, Iowa, for prior approval

to become a bank holding company through the acquisition of

100 percent of The Newburg Corporation, Saint Ansgar, Iowa,

and thereby indirectly acquire Cedar Valley State Bank, Saint

Ansgar, Iowa.*

Fed Reg – 02/09/2001

Newspaper – 02/02/2001

3(a)(3) Ames National Corporation, Ames, Iowa, for permission to

retain its current 5.39% investment in Mahaska Investment

Company, Oskaloosa, Iowa, and thereby indirectly acquire

Mahaska State Bank, Oskaloosa, Iowa and Pella State Bank,

Pella, Iowa.*

Fed Reg – 02/05/2001

Newspaper – 12/31/2000
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

4(c)(8) Ames National Corporation, Ames, Iowa, for permission to

retain its current 5.39% investment in Mahaska Investment

Company, Oskaloosa, Iowa, and thereby indirectly acquire

Midwest Federal Savings and Loan Association of Eastern Iowa,

Burlington, Iowa, Mahaska State Bank, Oskaloosa, Iowa, Pella

State Bank, Pella, Iowa and Central Valley Bank, Ottumwa,

Iowa.*

Fed Reg – 02/05/2001

Newspaper – N/Avail

4(c)(8) FBOP Corporation, Oak Park, Illinois, for prior approval to

acquire 100 percent of the voting shares of PBOC Holdings,

Inc., Los Angeles, California and thereby indirectly acquire

Peoples Bank of California, Los Angeles, California .*

Fed Reg – 01/02/2001

Newspaper – N/Avail

3(a)(1) First BancTrust Corporation, Paris, Illinois, for prior approval to

become a bank holding company through the acquisition of 100

percent of the voting shares of First Bank & Trust, S.B., Paris,

Illinois.*

Fed Reg – 01/22/2001

Newspaper – 02/12/2001

3(a)(3) First Capital Bankshares, Incorporated, Peoria, Illinois, for prior

approval to acquire 20 percent of the voting shares of

Community Bank of Lemont (in organization), Lemont,

Illinois.*

Fed Reg – 01/05/2001

Newspaper – 02/04/2001

CIC Notification by Frank D. Neese, of a Change in Control of First

Community Bancshares, Inc., Bargersville, Indiana.

Fed Reg – 02/05/2001

Newspaper – N/Avail

CIC Notification by Mary Garst and Tom Chrystal of a Change in

Control of Community Grain Co., Coon Rapids, Iowa, for their

ownership to increase from 23.2258% to 27.0677% following

Community Grain Co.'s redemption of 44 shares of its common

stock.

Fed Reg – N/Avail

Newspaper – N/Avail

CIC Notification by James Albert Kaldenberg and Caryl Kaldenberg

Sharp of a Change in Control to retain current ownership of

31.81 percent and 30.08 percent, respectively, of the outstanding

voting shares of First Iowa State Shares, Inc., Albia, Iowa.

Fed Reg – 01/16/2001

Newspaper – 01/22/2001

4(c)(8) Michigan National Corporation, Farmington Hills, Michigan, for

prior approval to acquire 100 percent of the voting shares of

Standard Federal Bancorporation, Inc., Troy, Michigan and

thereby indirectly acquire Standard Federal Bank, Troy,

Michigan and thereby engage in the nonbanking activity of

operating a savings association.*

Fed Reg – 01/16/2001

Newspaper – 01/12/2001

3(a)(3) Stichting Prioriteit ABN AMRO Holding, Stichting

Administratiekantoor ABN AMRO Holding, ABN AMRO

Holding N.V., ABN AMRO Bank N.V., all located in

Amsterdam, The Netherlands; ABN AMRO North America

Holdings Company and ABN AMRO North America, Inc., both

located in Chicago, Illinois, for prior approval to acquire 100

percent of the voting shares of Michigan National Corporation,

Farmington Hills, Michigan, and thereby indirectly acquire

Michigan National Bank, Farmington Hills, Michigan.*

Fed Reg – 01/16/2001

Newspaper – 01/12/2001
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

CIC Notification by Lyle P. Campbell, Craig L. Campbell, Verna C.

Malone and Thomas E. Malone, of a Change in Control, to

acquire 53 percent of Terrapin Bancorp, Inc., Elizabeth, Illinois.

Fed Reg – 01/19/2001

Newspaper – 01/16/2001

3(a)(1) Thumb National Bank & Trust Company Employee Stock

Ownership Plan, Pigeon, Michigan, for prior approval to become

a bank holding company through the acquisition of 30.52

percent of the voting shares of Thumb Bancorp, Inc., Pigeon,

Michigan and thereby indirectly acquire Thumb National Bank

& Trust Company, Pigeon, Michigan.*

Fed Reg – 01/29/2001

Newspaper – 01/25/2001

3(a)(1) Worth Bancorp, Spartanburg, Indiana, for prior approval to

become a bank holding company through the acquisition of 100

percent of the voting shares of Greensfork Township State Bank,

Spartanburg, Indiana.*

Fed Reg – 01/30/2001

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

4(c)(8) Alpha Financial Group, Inc. Employee Stock Ownership Plan,

Toluca, Illinois, notification of intent to acquire Alpha Insurance

Services, Inc., Washburn, Illinois; and thereby indirectly engage

in insurance agency activities.

Fed Reg – 02/01/2001

4(c)(8) National Australia Bank Limited, Melbourne, Australia,

notification of intent to acquire, indirectly through its whollyowned subsidiary, 02-e Limited, up to 70 percent of the

outstanding voting shares of thinkorswim, Inc., a newly formed

Delaware corporation and thereby engage in providing retail

securities brokerage services over the Internet.

Fed Reg – 01/26/2001

4(c)(8) Northwest Suburban Bancorp, Inc., Mount Prospect, Illinois,

notification of intent to continue to engage in purchasing loan

participations from its subsidiary banks.

Fed Reg – 01/31/2001

4(c)(8) Stichting Prioriteit ABN AMRO Holding, Stichting

Administratiekantoor ABN AMRO Holding, ABN AMRO Holding

N.V., ABN AMRO Bank N.V., all located in Amsterdam, The

Netherlands; ABN AMRO North America Holdings Company and

ABN AMRO North America, Inc., both located in Chicago, Illinois,

for prior approval to acquire 100 percent of the voting shares of

Independence Life Insurance Company, Phoenix, Arizona, and

Independence One Capital Management Corporation, Farmington

Hills, Michigan and thereby to engage in providing financial and

investment advisory services.

Fed Reg – 01/16/2001
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

123646 Salin Bank & Trust Company

8455 Keystone Crossing

Drive, Suite 100

Indianapolis, Indiana 46240

(317) 532-2265

05/01/2000 01/17/2001 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, January 20, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Notice by Fifth Third Bank, Kentucky, Inc., Louisville,

Kentucky, to establish a branch at 828 East High Street,

Lexington, Kentucky.*

1/21/2001

Branch Notice by Midwest BankCentre, St. Louis, Missouri, to establish

a limited-service branch at 4505 Parker Road, Florissant,

Missouri.*

1/31/2001

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

CIC Notice involving Jefferson County Bancshares, Inc., Festus,

Missouri, by Michael W. Walsh, St. Louis, Missouri, to retain

12.47 percent.

Newspaper – 1/31/2001

Fed Reg 2/12/2001

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

Depository

Institutions

Management

Interlocks Act and

Regulation L

Notice involving Louisville Development Bancorp, Inc.,

Louisville, Kentucky, by Morton Boyd and Michael Herrald

requesting an exemption from the general prohibitions against

management interlocks between unaffiliated depository

institutions.

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, January 20, 2001

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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, January 20, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First American Bank and Trust Company, Purcell, Oklahoma,

for prior approval to establish a branch at 2101 South Interstate

35 Frontage Road, Moore, Oklahoma.

Newspaper – 01/29/2001

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

Type Application

Ending date of

comment period

3(a)(1) Farmers Financial Corporation, Bolivar, Missouri, for prior

approval to become a bank holding company through the

reorganization of 100 percent of the voting shares of Farmers

State Bank, S/B, Schell City, Missouri.

Newspaper – N/A

Fed Reg – N/A

CIC Horace Harold Doughty and Velma Doughty, as trustees of the

Harold Doughty Revocable Trust, Altus, Oklahoma, for prior

approval to acquire voting shares of FSB Bancorp, Incorporated,

Altus, Oklahoma.

Newspaper – 01/31/2001

Fed Reg – 02/07/2001

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

Change General

Character

SpiritBank, Tulsa, Oklahoma, for prior approval to engage in de

novo trust activities.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD 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 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, January 20, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch United Bank of El Paso Del Norte, El Paso, TX, to establish a

branch office at 9601 Gateway West, El Paso, TX, 79925*

(de novo)

02/03/2001

*Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(5) Sterling Bancshares, Inc., Houston, TX, and

Sterling Bancorporation, Inc., Wilmington, DE, to acquire

CaminoReal Bancshares, Inc., San Antonio, TX,

CaminoReal Delaware, Inc., Wilmington, DE, and

CaminoReal Bank, National Association, San Antonio, TX*

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

Type Application

Ending date of

comment period

None

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

Type Application

Member United Bank of El Paso Del Norte, El Paso, TX, to become a

member of the Federal Reserve System (de novo)
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, January 20, 2001

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