Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 35 

Week Ending August 31, 2002 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions August 25, 2002 to August 31, 2002 

Regulations And Policies 

Financial System Resilience -- request for comment on a Draft Interagency White Paper 

on Sound Practices to Strengthen the Resilience of the U.S. Financial System (Docket 

No. R-1128). 

- Approved, August 22, 2002 (AC) 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority August 25, 2002 to August 31, 2002 

BS&R 

C&CA 

FOMC 

Banking Supervision and Regulation 

Consumer and Community Affairs 

Federal Open Market Committee 

RBOPS 

IF 

OSDM 

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

Bank Branches, Domestic 

Secretary 

AmSouth Bank, Birmingham, Alabama -- to establish a branch at 1415 West 5th Street, 

Laurel, Mississippi. 

- Approved, August 27, 2002 

Secretary 

AmSouth Bank, Birmingham, Alabama -- to establish branches at 2531 John Hawkins 

Parkway, Hoover; 8455 Tuttle Avenue, Sarasota, Florida; 2320 South U.S. Highway 

77, Lynn Haven; and 200 Grand Boulevard, Destin. 

- Approved, August 30, 2002 

Dallas 

Community Bank, Granbury, Texas -- to establish a branch at 6224 Colleyville 

Boulevard, Suite B, Colleyville. 

- Approved, August 28, 2002 

Cleveland 

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 2211 Hayes Avenue, 

Sandusky. 

- Approved, August 27, 2002 

Chicago 

First Banking Center, Burlington, Wisconsin -- to establish a branch at the intersection of 

State Highways 81 and 23, Darlington. 

- Approved, August 30, 2002 

Chicago 

Le Mars Bank and Trust Company, Le Mars, Iowa -- to establish a branch at 1601 

South Main Avenue, Sioux Center. 

- Approved, August 29, 2002 

(AC) = Addition or Correction Delegated - Page 1 of 8 
H.2 Actions under delegated authority August 25, 2002 to August 31, 2002 

Bank Branches, Domestic 

Chicago 

Northside Community Bank, Gurnee, Illinois -- to establish a branch at 8060 Oakton 

Street, Niles. 

- Approved, August 26, 2002 

Kansas City 

Saline State Bank, Wilber, Nebraska -- to establish a branch at 5620 South 48th Street, 

Lincoln, and 221 West Fourth Street, Cortland. 

- Approved, August 26, 2002 

Richmond 

Second Bank & Trust, Culpeper, Virginia -- to establish a branch at 1807 Seminole Trail, 

Charlottesville. 

- Approved, August 27, 2002 

Bank Holding Companies 

Kansas City 

American Bancshares, Inc., Baxter Springs, Kansas -- to acquire Southwest Missouri 

Bancshares, Inc., Ozark, Missouri, and for Southwest Missouri Bancshares' subsidiary, 

Southwest Community Bank, to merge with American Bancshares' subsidiary, American 

Bank, Baxter Springs. 

- Withdrawn, August 26, 2002 

Director, BS&R 

American Financial Group, Inc., Cincinnati, Ohio, and Provident Bancorp, Inc. --

modification of a commitment. 

- Granted, August 28, 2002 

Chicago 

FBOP Corporation, Oak Park, Illinois -- to acquire American Home Loan Corporation, 

Phoenix, Arizona, and thereby operate a savings association through the acquisition of 

Bank USA, Federal Savings Bank. 

- Approved, August 27, 2002 

(AC) = Addition or Correction Delegated - Page 2 of 8 
H.2 Actions under delegated authority August 25, 2002 to August 31, 2002 

Bank Holding Companies 

Minneapolis 

Hazen Bancorporation, Inc., Hazen, North Dakota; McIntosh County Bank Holding 

Company, Inc., Ashley; and Wishek Bancorporation, Inc., Wishek -- to acquire shares 

of North Star Holding Company, Inc., Jamestown. 

- Approved, August 28, 2002 

Dallas 

ISB Holdings, Inc., Perryton, Texas, and ISB Delaware Holdings, Inc., Wilmington, 

Delaware -- to become bank holding companies through the acquisition of Interstate 

Bank, SSB, Perryton. 

- Approved, August 30, 2002 

New York 

J.P. Morgan Chase & Co., New York, New York -- for J.P. Morgan Securities Limited 

to join Banque Centrale de Compensation, a mutual guarantee clearing house. 

- Withdrawn, August 26, 2002 

Minneapolis 

North Star Holding Company, Inc., Jamestown, North Dakota -- to acquire Northern 

Plains Investment, Inc. 

- Approved, August 28, 2002 

Cleveland 

Sky Financial Group, Inc., Bowling Green, Ohio -- to acquire Three Rivers Bancorp, 

Monroeville, Pennsylvania, and its subsidiary, The Three Rivers Bank and Trust, Jefferson 

Borough, and establish branches. 

- Approved, August 26, 2002 

Chicago 

Southwest Company, Oakland, Iowa -- to retain existing ownership of Fremont County 

Savings Bank, Sidney, on its conversion to a federal savings association, and thereby 

operate a savings association. 

- Approved, August 30, 2002 

Director, BS&R 

UFS Bancorp, Whitinsville, Massachusetts -- relief from a commitment. 

- Granted, August 30, 2002 

(AC) = Addition or Correction Delegated - Page 3 of 8 
H.2 Actions under delegated authority August 25, 2002 to August 31, 2002 

Banks, State Member 

Chicago 

North Shore Community Bank & Trust, Wilmette, Illinois -- to become a financial 

subsidiary and acquire control of Wayne Hummer Investments LLC, Chicago. 

- Withdrawn, August 29, 2002 

St. Louis 

Progress Bank of Missouri, Sullivan, Missouri -- to exercise limited trust powers. 

- Approved, August 29, 2002 

Change In Bank Control 

Minneapolis 

North Star Holding Company, Inc., Jamestown, North Dakota -- change in bank control. 

- Permitted, August 28, 2002 

Competitive Factors Reports 

Minneapolis 

21st Century Bank-North, Ham Lake, Minnesota -- report on competitive factors of the 

proposed merger with 21st Century Bank, Rogers. 

- Submitted, August 27, 2002 

Kansas City 

Bank of Commerce, Duncan, Oklahoma, a de novo bank -- report on competitive 

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

the Duncan branch of NBanc, Tulsa. 

- Submitted, August 30, 2002 

St. Louis 

Bank of England, England, Arkansas -- report on competitive factors of the proposed 

purchase of assets and assumption of liabilities of the England and Carlisle branches of 

First Community Bank, Jonesboro. 

- Submitted, August 28, 2002 

Cleveland 

Bank One, National Association, Columbus, Ohio -- report on competitive factors of the 

proposed merger with Bank One Services Corporation. 

- Submitted, August 26, 2002 

(AC) = Addition or Correction Delegated - Page 4 of 8 
H.2 Actions under delegated authority August 25, 2002 to August 31, 2002 

Competitive Factors Reports 

Chicago 

The Baraboo National Bank, Baraboo, Wisconsin -- report on competitive factors of the 

proposed acquisition of State Bank of Wonewoc, Wonewoc. 

- Submitted, August 27, 2002 

Richmond 

Capital Bank, Raleigh, North Carolina -- report on competitive factors of the proposed 

merger with High Street Banking Company, Asheville. 

- Submitted, August 26, 2002 

Richmond 

Catawba Valley Bank, Hickory, North Carolina -- report on competitive factors of the 

proposed merger with Northwestern National Bank, Wilkesboro. 

- Submitted, August 30, 2002 

Cleveland 

The Columbia Savings Bank, Cincinnati, Ohio -- report on competitive factors of the 

proposed merger with Corryville, FSB. 

- Submitted, August 26, 2002 

Cleveland 

Fidelity Savings Bank, Pittsburgh, Pennsylvania -- report on competitive factors of the 

proposed merger with First Pennsylvania Savings Association. 

- Submitted, August 23, 2002 (AC) 

Richmond 

First Liberty National Bank, Washington, D.C. -- report on competitive factors of the 

proposed merger with Enterprise Federal Savings Bank, Largo, Maryland. 

- Submitted, August 27, 2002 

Minneapolis 

Flathead Bank of Bigfork, Bigfork, Montana -- report on competitive factors of the 

proposed merger with Valley Bank of Belgrade, Belgrade. 

- Submitted, August 29, 2002 

(AC) = Addition or Correction Delegated - Page 5 of 8 
H.2 Actions under delegated authority August 25, 2002 to August 31, 2002 

Competitive Factors Reports 

Atlanta 

Frontier National Bank, LaGrange, Georgia -- report on competitive factors of the 

proposed merger with Frontier National Bank, Sylacauga, Alabama. 

- Submitted, August 28, 2002 

Chicago 

Household Bank (SB), National Association, Las Vegas, Nevada -- report on 

competitive factors of the proposed purchase of certain assets of National Bank of the 

Great Lakes, Elmhurst, Illinois. 

- Submitted, August 27, 2002 

Chicago 

Illinois National Bank, Springfield, Illinois -- report on competitive factors of the 

proposed purchase of the Pleasant Plains branch of Pleasant Plains State Bank, Pleasant 

Plains. 

- Submitted, August 27, 2002 

Kansas City 

Kanza Bank, Kingman, Kansas -- report on competitive factors of the proposed merger 

with The Citizens National Bank and Trust Company, Anthony. 

- Submitted, August 30, 2002 

Kansas City 

The Morrill and Janes Bank and Trust Company, Hiawatha, Kansas -- report on 

competitive factors of the proposed merger with Morrill State Bank and Trust Company, 

Sabetha, and The First National Bank of Onaga, Onaga. 

- Submitted, August 30, 2002 

Richmond 

Senator Savings Bank, Federal Savings Bank, Towson, Maryland -- report on 

competitive factors of the proposed merger with Ashburton Federal Savings and Loan 

Association, Inc., Westminster. 

- Submitted, August 27, 2002 

(AC) = Addition or Correction Delegated - Page 6 of 8 
H.2 Actions under delegated authority August 25, 2002 to August 31, 2002 

Competitive Factors Reports 

Cleveland 

Standard Bank, PASB, Murrysville, Pennsylvania -- report on competitive factors of the 

proposed purchase of two branches of Commercial National Bank of Pennsylvania, 

Latrobe. 

- Submitted, August 26, 2002 

Kansas City 

State Bank of Kansas, Fredonia, Kansas -- report on competitive factors of the 

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

branch of Intrust Bank, National Association, Wichita. 

- Submitted, August 30, 2002 

New York 

TrustCo Bank, National Association, Glenville, New York -- report on competitive 

factors of the proposed merger with TrustCo Savings Bank, Canajoharie. 

- Submitted, August 30, 2002 

Minneapolis 

U.S. Bank National Association, Cincinnati, Ohio -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of 57 branches of Bay View 

Bank, National Association, San Mateo, California. 

- Submitted, August 29, 2002 

Extensions Of Time 

Kansas City 

First Capital Investments LLC, Lee's Summit, Missouri -- extension to November 30, 

2002, to acquire shares of 1st Financial Bancshares, Inc., Overland Park, Kansas. 

- Granted, August 29, 2002 

St. Louis 

Monticello Bancshares, Inc., Monticello, Missouri -- extension to November 4, 2002, to 

become a bank holding company through the acquisition of Bank of Monticello. 

- Granted, August 29, 2002 

(AC) = Addition or Correction Delegated - Page 7 of 8 
H.2 Actions under delegated authority August 25, 2002 to August 31, 2002 

Extensions Of Time 

Boston 

Port Financial Corp, Brighton, Massachusetts -- extension to November 23, 2002, to 

increase its interest in Cambridge Bancorp, Cambridge. 

- Granted, August 28, 2002 

Financial Holding Companies 

Secretary 

Almancora CVA, Leuven, Belgium -- election to be treated as a financial holding 

company. 

- Effective, August 30, 2002 

Kansas City 

Eberly Investment Company, Inc., Stanton, Nebraska -- election to become a financial 

holding company. 

- Effective, August 28, 2002 

Atlanta 

Old Florida Bankshares, Inc., Fort Myers, Florida -- election to become a financial 

holding company. 

- Effective, August 29, 2002 

Chicago 

West Bend Bancorp., West Bend, Iowa -- election to become a financial holding 

company. 

- Effective, August 27, 2002 

(AC) = Addition or Correction Delegated - Page 8 of 8 
District 1
 

Federal Reserve Bank of Boston
 

Applications and notifications filed during the week ending Saturday, August 31, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

3(a)(1) Bridgewater Financial, MHC, Raynham, Massachusetts - Newspaper - 09/23/2002 

application to become a bank holding company through the Fed Reg - 09/20/2002 

acquis ition of Bridgewater Savings Bank, Raynham, 

Massachusetts 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding
 

S = Satisfactory
 

NI = Needs to improve
 

SN = Substantial noncompliance
 

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 2
 

Federal Reserve Bank of New York
 

Applications and notifications filed during the week ending Saturday, August 31, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for depos it facilities. 

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

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

O = Outstanding
 

S = Satisfactory
 

NI = Needs to improve
 

SN = Substantial noncompliance
 

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 3
 

Federal Reserve Bank of Philadelphia
 

Applications and notifications filed during the week ending Saturday, August 31, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

The Community Reinvestment Act is intended to encourage deposit ory 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 regulat ion 

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding
 

S = Satisfactory
 

NI = Needs to improve
 

SN = Substantial noncompliance
 

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 4
 

Federal Reserve Bank of Cleveland
 

Applications and notifications filed during the week ending Saturday, August 31, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

3(a)(1) Received application from Deerfield Bancshares, Inc., Fed Reg – 09/16/2002 

Clarksburg, OH to acquire The Clarksburg Commercial Bank, Newspaper – N/Avail 

Clarksburg, OH.* 

*Subject to the provisions of the Community Reinvestment Act. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding
 

S = Satisfactory
 

NI = Needs to improve
 

SN = Substantial noncompliance
 

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

212522 Somerset Trust Company 06/10/2002 08/27/2002 S X 

151 West Main Street 

Somerset, PA 15501 

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, August 31, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

CIC	 Notice of Change in Control filed by Ralph Mann and Hazel E. Fed Reg - N/Avail 

Mann to increase their ownership position in Union Bankshares, Newspaper - 09/10/2002 

Inc., Union, West Virginia, from 8.84% to 10.32% as a result of 

the holding company's planned redemption of shares. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

3(a)(1) Cecil Bancorp, Inc., Elkton, Maryland, to become a bank 

holding company through the acquisition of 100% of the voting 

shares of Cecil Federal Bank, Elkton, Maryland. 

Member Cecil Federal Bank, Elkton, Maryland, for membership in the 

Federal Reserve System. 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding
 

S = Satisfactory
 

NI = Needs to improve
 

SN = Substantial noncompliance
 

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 6
 

Federal Reserve Bank of Atlanta
 

Applications and notifications filed during the week ending Saturday, August 31, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Riverside Bank of the Gulf Coast, Cape Coral, Florida, to 

establish a branch located at 4707 SE 9th Place, Cape Coral, 

Florida.* 

09/07/2002
 

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

4303 U.S. Highway 27, Clermont, Florida, to be known as the 

Kings Ridge Office.* 

09/04/2002
 

*Subject to provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

3(a)(1) Commerce Bancshares, Inc., White Castle, Louisiana, to become Newspaper – 09/28/2002 

a bank holding company by acquiring The Bank of Commerce, Fed Reg – N/Avail 

White Castle, Louisiana.* 

3(a)(1)	 CFB Bancshares, Inc., Wartburg, Tennessee, notice to become a Newspaper – N/Avail 

bank holding company by acquiring Citizens First Bank, Fed Reg – N/Avail 

Wartburg, Tennessee.* 

*Subject to provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

The Community Reinvestment Act is intended to encourag e 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). Th e 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 applicat ion 

for deposit facilities. 

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

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

O = Outstanding
 

S = Satisfactory
 

NI = Needs to improve
 

SN = Substantial noncompliance
 

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 7
 

Federal Reserve Bank of Chicago
 

Applications and notifications filed during the week ending Saturday, August 31, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18C & Branc hes	 Central Bank, Storm Lake, Iowa, for prior approval to acquire 

through merger Central Bank, Spirit Lake, Iowa and thereby to 

establish a branch facility at 1400 18th Street, Spirit Lake, 

Iowa.* 

18C & Branches	 Johnson Bank, Racine, Wisconsin, to merge with Capital Bank, 

Green Bay, Wisconsin and thereby to establish branches at 455 

Riverdale Drive, Green Bay, Wisconsin and 840 Main Avenue, 

DePere, Wisconsin.* 

Branch	 Johnson Bank, Racine, Wisconsin, to establish a branch facility 

to be located at 3801 N. Wright Road, Janesville, Wisconsin.* 

Newspaper – N/Avail 

Newspaper – 08/30/2002 

Newspaper – 09/04/2002 

* Subject to the provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

Notice by Ross David Levin, Louis Jonathon Kolom, Shabsa 

Abraham Lis, Aaron L. Kolom, Sherwin Greenberg and Arthur 

Myer Goldrich, to retain control of First Equity Corp., Skokie, 

Illinois, and to thereby retain indirect control of 1 st Equity Bank, 

Skokie, Illinois. 

3(a)(5)	 Merchants and Manufacturers Bancorporation, Inc., New Berlin, 

Wisconsin and Merchants Merger Corp., New Berlin, 

Wisconsin, to merge with Fortress Bancshares, Inc., Westby, 

Wisconsin and thereby indirectly acquire Fortress Bank of 

Westby, Westby, Wisconsin, Fortress Bank, N.A., Houston, 

Minnesota, and Fortress Bank of Cresco, Cresco, Iowa.* 

3(a)(1)	 SCB Bancor p, Inc., East Lansing, Michigan, to become a bank 

holding company by acquiring 100 percent of Summit 

Community Bank (in organization), East Lansing, Michigan.* 

Fed Reg – 09/17/2002 

Newspaper – N/Avail 

Fed Reg – 09/23/2002 

Newspaper – N/Avail 

Fed Reg – N/Avail 

Newspaper – N/Avail 

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

Ending date of 

Type Application comment period 

CC	 Notication filed pursuant to the Change in Bank Co ntrol Act of 

1978 by Ramon J. Green, Jacksonville, Illinois, as general 

partner of Green Enterprises, L.P. Jacksonville, Illinois, as 

trustee of the Ramon J. Green Trust, Jacksonville, Illinois, and 

co-trustee of the Beverly J. Green Trust, Jacksonville, I llinois, 

and Beverly J. Green, Jacksonville, Illinois, as co -trustee of the 

Beverly J. Green Trust, to retain control and increase their 

ownership in West Plains Investors, Inc., Pleasant Plains, 

Illinois, and thereby to indirectly retain control and incre ase 

their ownership in Pleasant Plains State Bank, Pleasant Plains, 

Illinois. 

Fed Reg – N/Avail 

Newspaper – N/Avail 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

4(c)(8) Community State Bancorporation, Spencer, Iowa, to proposes to 

engage denovo in extending credit and servicing loans. 

Other Johnson Bank, Racine, Wisconsin, request approval for 

prepayment of $6 million subordinated debt issued in 1997. 
Section V – Availability of CRA public evaluations 

The Community Reinvestment Act is intended to en courage 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 ap plication 

for deposit facilities. 

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

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

O = Outstanding
 

S = Satisfactory
 

NI = Needs to improve
 

SN = Substantial noncompliance
 

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

865544 Clear Lake Bank & Trust Co. 

322 Main Avenue 

Clear Lake, Iowa 50428 

(641) 357- 7121 

982348 Iowa State Bank 

1101 Main Street 

Hull, Iowa 51239 

(712) 439- 1025 

04/15/2002 08/27/2002 O X 

04/01/2002 08/27/2002 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, August 31, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch First State Bank of DeQueen, DeQueen, Arkansas, to establish a Newspaper – 09/05/2002 

branch facility to be located at 3402 North Camellia Street, 

Lockesburg, Arkansas 

* Subject to the provisions of the Community Reinvestment Act 

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

Type Application 

3A1	 Commerce Holding Corporation, Corinth, Mississippi, to 

become a bank holding company by acquiring 100 percent of the 

voting shares of Commerce National Bank, Corinth, 

Mississppi.* 

3A1	 Kilmichael Bancorp, Inc., Kilmichael, Mississippi, to become a 

bank holding company by acquiring 100 percent of the voting 

shares of Bank of Kilmichael, Kilmichael, Missis sippi.* 

3A3	 Sun Financial Corporation, St. Peters, Missouri, to acquire at 

least 88 percent of the voting shares of The Quad County State 

Bank, Viburnum, Missouri.* 

Ending date of 

comment period 

Newspaper – 09/17/2002 

Fed Reg – 10/03/2002 

Newspaper – 09/23/2002 

Fed Reg – 10/03/2002 

Newspaper – 08/29/2002 

Fed Reg – 09/27/2002 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

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

Type Application 

Other Progress Bank of Missouri, Sullivan, Missouri, to expand its 

banking powers by exercising limited trust powers as originating 

trustee. 

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 implem ented 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 i n 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 institutio n's performance under CRA: 

O = Outstanding
 

S = Satisfactory
 

NI = Needs to improve
 

SN = Substantial noncompliance
 

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

748441	 Warren Bank and Trust Company 05/13/2002 08/29/2002 S X

Warren, Arkansas 

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, August 31, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) & Branch	 Wadena State Bank, Wadena, Minnesota proposes to merge with Newspaper - N/Avail 

Security State Bank of Deer Creek, Deer Creek, Minnesota and 

incident thereto establish branches in Deer Creek, Minnesota, 

and Bluffton, Minnesota* 

* Subject to the pro visions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

3(a)(3)	 First Sleepy Eye Bancorporation, Inc., Sioux Falls, South 

Dakota, to acquire 96 percent of Stearns Bank Canby National 

Association, Canby, Minnesota.* 

CIC	 Kenneth D. and Suzanne M. Roeder, De Smet, South Dakota to 

gain control of Kingsbury Bank Holding Company, De Smet, 

South Dakota, and thereby indirectly gain control of Peoples 

State Bank, De Smet, South Dakota. 

CIC	 Marcelle McVay, Chicago, Illinois, to retain control of 

Minnwest Corporation, Montevideo, Minnesota, and thereby 

indirectly retain control of Minnwest Bank Luverne, Luverne, 

Minnesota; Minnwest Bank Central, Montevideo, Minnesota; 

Minnwest Bank Ortonville, Ortonville, Minnesota; Minnwest 

Bank, M.V., Redwood Falls, Minnesota; Minnwest Bank South, 

Tracy, Minnesota; and Minnwest Bank Sioux Falls, Sioux Falls, 

South Dakota. 

Fed Reg – 09/09/2002 

Newspaper – 09/09/2002 

Fed Reg – 08/23/2002 

Newspaper – 08/28/2002 

Fed Reg – 08/23/2002 

Newspaper – 09/12/2002 
Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

CIC	 Jerry E. Gerber, Rice Lake, Wisconsin; Terry G. Gerber, 

Cameron, Wisconsin; Susan J. Gerber, Blaine, Minnesota; 

Ernest J. Gerber, Bruce, Wisconsin; Alan F. Gerb er, Radisson, 

Wisconsin; Kathleen L. Gerber, Quincy, Massachusetts; and 

Holly A. Barnes, Hayward, Wisconsin, to gain control of Old 

Murry Bancorp, Inc., Cameron, Wisconsin, and thereby 

indirectly gain control of Owen -Curtiss Financial Corporation, 

Rice Lake, Wisconsin, which owns Brill Bancshares, Inc., Rice 

Lake, Wisconsin, and its subsidiary bank, Brill State Bank, Rice 

Lake, Wisconsin, and Gilman Corporation, Gilman, Wisconsin, 

which owns the State Bank of Gilman, Gilman, Wisconsin. 

CIC	 Craig L. Larson, Bismarck, North Dakota, to gain control of 

First Southwest Bancorporation, Bismarck, North Dakota, and 

thereby indirectly gain control of First Southwest Bank, 

Bismarck, North Dakota. 

3A1	 Eagle Community Bancshares, Inc, Brooklyn Park, Minnesota, 

to become a bank holding company by acquiring 100% of Eagle 

Community Bank, Maple Grove, Minnesota, a de novo bank.* 

Fed Reg – 08/23/2002 

Newspaper – 08/20/2002 

Fed Reg – 08/27/2002 

Newspaper – 08/30/2002 

Fed Reg – 09/20/2002 

Newspaper – 09/20/2002 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

of the communities in which they operate, includi ng 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 he lping meet the credit needs of its entire 

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

application for deposit facilities. 

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

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

O = Outstanding
 

S = Satisfactory
 

NI = Needs to improve
 

SN = Substantial noncompliance
 

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 10
 

Federal Reserve Bank of Kansas City
 

Applications and notifications filed during the week ending Saturday, August 31, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

3(a)(1)	 Summit Bancshares, Inc., Prescott, Arizona, to become a bank 

holding company through the acquisition of 100 percent of the 

voting shares of Summit Bank, Prescott, Arizona (in 

organization). 

3(a)(1)	 Healthcare Bancorp, Inc., Broken Arrow, Oklahoma, to become 

a bank holding company through the acquisition of 100 percent 

of the voting shares of Federal BankCentre, Broken Arrow, 

Oklahoma, a federal savings bank. 

3(a)(3)	 Central Financial Corporation, Hutchinson, Kansas, to acquire 

25 percent of the voting shares of Summit Bancshares, Inc., 

Prescott, Arizona, parent of Summit Bank, Prescott, Arizona (in 

organization). 

Newspaper - N/Avail 

Fed Reg - 09/27/2002 

Newspaper - N/Avail 

Fed Reg - N/Avail 

Newspaper - N/Avail 

Fed Reg - 09/27/2002 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding
 

S = Satisfactory
 

NI = Needs to improve
 

SN = Substantial noncompliance
 

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 11
 

Federal Reserve Bank of Dallas
 

Applications and notifications filed during the week ending Saturday, August 31, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

CIC	 First La Grange Bancshares, Inc., Employee Stock Ownership Fed Reg – 09/18/2002 

Plan, La Grange, TX, (Falcon National Bank, San Antonio, TX, Newspaper – N/Avail 

and National Bank & Trust, La Grange, TX, co -trustees), to 

acquire an interest in First La Grange Bancshares, Inc., La 

Grange, TX 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

The Community Reinvestment Act is inte nded 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 instit ution'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 C RA: 

O = Outstanding
 

S = Satisfactory
 

NI = Needs to improve
 

SN = Substantial noncompliance
 

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

723653 Western Bank 06/17/2002 09/03/2002 O X 

140 East Motel Avenue 

Lordsburg, NM 88045 

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, August 31, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

3(a)(1)	 Sumitomo Mitsui Financial Group, Inc., Tokyo, Japan, to become 

a bank holding company by acquiring 100 percent of 

Manufacturers Bank, Los Angeles, California.* 

Newspaper – N/Avail 

Fed Reg – 9/23/2002 

3(a)(1)	 SunFirst Corporation to become a bank holding company by 

acquiring 100 percent of SunFirst Bank, both of St. George, Utah.* 

Newspaper – 09/30/2002 

Fed Reg – N/Avail 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

the communities in which they o perate, 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 di rectly from the institution or Reserve Bank. 

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

O = Outstanding
 

S = Satisfactory
 

NI = Needs to improve
 

SN = Substantial noncompliance
 

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None