Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 36

Week Ending September 4, 2004

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions August 29, 2004 to September 4, 2004

Bank Holding Companies

National City Corporation, Cleveland, Ohio -- to acquire Wayne Bancorp, Inc., 

Wooster, The Wayne County National Bank of Wooster, and Savings Bank & Trust, 

Wadsworth.

- Approved, August 31, 2004 

Extensions Of Time

Central Pacific Financial Corp., Honolulu, Hawaii -- extension to October 15, 2004, to 

acquire CB Bancshares, Inc. and its subsidiary, City Bank.

- Granted, August 31, 2004 

(AC) = Addition or Correction Board - Page 1 of 1
August 29, 2004 to September 4, 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

Adrian Bank, Adrian, Missouri -- to establish a branch at 302 Southwest Outer Road, 

Archie.

- Approved, September 3, 2004 

Kansas City

Bank of Alabama, Birmingham, Alabama -- to establish a branch at 2123 Whitesburg 

Drive, Huntsville.

- Approved, September 2, 2004 

Atlanta

Bank of Hampton Roads, Chesapeake, Virginia -- to establish a branch at 239 Battlefield 

Boulevard South.

- Approved, September 3, 2004 

Richmond

Cecil Federal Bank, Elkton, Maryland -- to establish a branch at 122 West Main Street, 

Cecilton.

- Approved, September 1, 2004 

Richmond

Comerica Bank, Detroit, Michigan -- to establish branches at 35 North Lake Avenue, 

Pasadena, California, and 17011 Beach Boulevard, Huntington Beach.

- Approved, August 30, 2004 

Secretary

Comerica Bank, Detroit, Michigan -- to establish branches at 201 Marcell Drive 

Northeast, Rockford, and 2560 Dallas Parkway, Plano, Texas.

- Approved, September 1, 2004 

Secretary

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 1945 East Apple 

Avenue, Muskegon.

- Approved, September 1, 2004 

Cleveland

(AC) = Addition or Correction Delegated - Page 1 of 8
H.2 Actions under delegated authority August 29, 2004 to September 4, 2004

Bank Branches, Domestic

First State Bank N.M., Taos, New Mexico -- to establish a branch at 490 East 500 

South, Salt Lake City, Utah.

- Approved, August 31, 2004 

Secretary

Gold Bank, Leawood, Kansas -- to establish a branch at the intersection of Highway 152 

and Interstate 35, Liberty, Missouri.

- Approved, September 1, 2004 

Kansas City

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

seasonal-use limited branch at York Technical Institute, 3050 Hempland Road, East 

Hempfield Township, Pennsylvania.

- Approved, September 3, 2004 

New York

Paramount Bank, Farmington Hills, Michigan -- to establish a branch at 39600 Garfield 

Road, Clinton Township.

- Withdrawn, September 1, 2004 

Chicago

Quad City Bank and Trust Company, Bettendorf, Iowa -- to establish a branch at 1322 

State Street, Rockford, Illinois.

- Approved, September 3, 2004 

Chicago

Regions Bank, Birmingham, Alabama -- to establish branches at 2517 River Oaks 

Boulevard, Houston, Texas; and the intersection of Forum Drive and Marketplace 

Common, Columbia, South Carolina.

- Approved, August 31, 2004 

Atlanta

Regions Bank, Birmingham, Alabama -- to establish a branch near the intersection of 

Highway 53 and Lumpkin Campground Road, Dawsonville, Georgia.

- Approved, September 2, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 8
H.2 Actions under delegated authority August 29, 2004 to September 4, 2004

Bank Branches, Domestic

SunTrust Bank, Atlanta, Georgia -- to establish branches at 624 H Street, N.W., 

Washington, D.C., and 43975 Pipeline Plaza, Ashburn, Virginia.

- Approved, August 30, 2004 

Atlanta

Bank Holding Companies

Affinity Bank Holdings, Inc., Ventura, California -- to become a bank holding company 

and to acquire Affinity Bank.

- Approved, September 3, 2004 

San Francisco

Citizens Bancshares Co., Chillicothe, Missouri -- to acquire shares of First Community 

Bancshares, Inc., Overland Park, Kansas, and thereby acquire First Community Bank, 

Lee's Summit, Missouri.

- Withdrawn, August 31, 2004 

Kansas City

DBT Holding Company, Vidalia, Georgia -- to invest in DBW Technologies, LLC, 

Atlanta, and thereby engage de novo in data processing activities, and to invest in Graham 

Capital Partners, LLC, Savannah, and thereby engage de novo in financial and investment 

advisory activities and agency transactional services for customer investments.

- Withdrawn, September 2, 2004 

Atlanta

Enterprise Banking Company, Inc., Stockbridge, Georgia -- to become a bank holding 

company and to acquire Dorsey State Bank, Abbeville.

- Withdrawn, August 31, 2004 

Atlanta

Marshall & Ilsley Corporation, Milwaukee, Wisconsin -- to acquire through its 

subsidiary, Metavante Corporation, Response Data Corp., Parsippany, New Jersey, and 

thereby engage in data processing activities.

- Approved, September 2, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 3 of 8
H.2 Actions under delegated authority August 29, 2004 to September 4, 2004

Bank Holding Companies

MidWest Community Financial Corporation, Midwest City, Oklahoma -- to become a 

bank holding company and to acquire Canute Bancshares, Inc., Clinton, and thereby 

acquire First State Bank, Canute.

- Approved, September 2, 2004 

Kansas City

Texas Bancshares, Inc., Snyder, Texas, and Texas Financial of Delaware, Inc. -- to 

become bank holding companies and to acquire Texas Savings Bank, State Savings Bank.

- Approved, September 3, 2004 

Dallas

Twin City Bancorp, Inc., Longview, Washington -- to become a bank holding company 

and to acquire Twin City Bank.

- Approved, September 1, 2004 

San Francisco

Watford City Bancshares, Inc., Watford City, North Dakota -- to engage de novo in 

community development activities through its subsidiary, First International Community 

Development Fund, Inc.

- Withdrawn, September 2, 2004 

Minneapolis

Wilber Co., Wilber, Nebraska -- to acquire Hickman Corporation, Hickman, and its 

subsidiary, First State Bank, Lincoln; to acquire Yutan Bancorp., Inc., Yutan, and its 

subsidiary, Bank of Yutan; and to engage in insurance agency activities.

- Withdrawn, September 1, 2004 

Kansas City

Yardville National Bancorp, Hamilton, New Jersey -- to acquire an ownership interest in 

Bucks County Bank, Warminster, Pennsylvania.

- Approved, August 30, 2004 

Philadelphia

(AC) = Addition or Correction Delegated - Page 4 of 8
H.2 Actions under delegated authority August 29, 2004 to September 4, 2004

Bank Mergers

Interim Bank of Evansville, Evansville, Indiana -- to merge with Bank of Evansville, 

National Association and to retain the acquired facility as a branch.

- Approved, August 31, 2004 

St. Louis

The Vintage Bank, Napa, California -- to merge with Solano Bank, Vacaville.

- Approved, September 3, 2004 

San Francisco

Banks, Foreign

Banco de Sabadell S.A., Sabadell, Spain -- to establish an agency in Miami, Florida, of 

Banco Atlantico, Barcelona, Spain, in connection with the merger of the two banks.

- Approved, August 31, 2004 

General Counsel

Change In Bank Control

FCNB Bancorp, Inc., Fayetteville, West Virginia -- to retain shares of FCNB Bancorp, 

Inc.

- Permitted, September 1, 2004 

Richmond

Hunter Holding Company, Hunter, North Dakota -- change in bank control.

- Permitted, September 3, 2004 

Minneapolis

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

- Permitted, September 2, 2004 

Kansas City

Competitive Factors Reports

BankIllinois, Champaign, Illinois -- report on competitive factors of the proposed merger 

with First National Bank of Decatur, Decatur.

- Submitted, August 30, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 5 of 8
H.2 Actions under delegated authority August 29, 2004 to September 4, 2004

Competitive Factors Reports

Central Valley Community Bank, Clovis, California -- report on competitive factors of the 

proposed merger with Bank of Madera County, Oakhurst.

- Submitted, September 1, 2004 

San Francisco

The Farmers & Merchants Bank, Dyer, Tennessee -- report on competitive factors of the 

proposed purchase of certain assets and assumption of deposit liabilities of Bank of Dyer.

- Submitted, August 30, 2004 

St. Louis

First National Bank of Huntsville, Huntsville, Texas -- report on competitive factors of the 

proposed merger with The National Bank of Madisonville, Madisonville.

- Submitted, August 30, 2004 

Dallas

Great Western Bank, Omaha, Nebraska -- report on competitive factors of the proposed 

merger with Oakland State Bank, Oakland, Iowa.

- Submitted, August 30, 2004 

Kansas City

Monadnock Community Bank, Peterborough, New Hampshire -- report on competitive 

factors of the proposed acquisition of the Winchendon branch of Fitchburg Savings Bank, 

FSB, Fitchburg, Massachusetts.

- Submitted, September 2, 2004 

Boston

The Randolph County Bank, National Association, Winchester, Indiana -- report on 

competitive factors of the proposed merger with Union County National Bank of Liberty, 

Liberty.

- Submitted, August 30, 2004 

Chicago

River Valley State Bank, Rothschild, Wisconsin -- report on competitive factors of the 

proposed acquisition of seven branches of National City Bank of the Midwest, 

Bannockburn, Illinois.

- Submitted, August 30, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 6 of 8
H.2 Actions under delegated authority August 29, 2004 to September 4, 2004

Competitive Factors Reports

United Community Bank, Blairsville, Georgia -- report on competitive factors of the 

proposed merger with Eagle National Bank, Stockbridge.

- Submitted, August 31, 2004 

Atlanta

Extensions Of Time

S&T Bancorp, Inc., Indiana, Pennsylvania -- extension to November 25, 2004, to 

acquire shares of IBT Bancorp, Inc., Irwin, Pennsylvania.

- Granted, August 31, 2004 

Cleveland

Financial Holding Companies

Freedom Bancshares, Inc., Belington, West Virginia -- election to become a financial 

holding company.

- Effective, August 31, 2004 

Richmond

Membership

Alabama Banker's Bank, Birmingham, Alabama, a de novo bank -- to become a member 

of the Federal Reserve System.

- Approved, August 31, 2004 

Atlanta

Bank of Easton, A Cooperative Bank, North Easton, Massachusetts -- to become a 

member of the Federal Reserve System.

- Approved, September 2, 2004 

Boston

Bank of Evansville, National Association, Evansville, Indiana -- to become a member of 

the Federal Reserve System on conversion to a national charter.

- Approved, August 31, 2004 

St. Louis

(AC) = Addition or Correction Delegated - Page 7 of 8
H.2 Actions under delegated authority August 29, 2004 to September 4, 2004

Membership

East-West Bank, San Marino, California -- to become a member of the Federal Reserve 

System.

- Approved, August 30, 2004 

San Francisco

Village Bank and Trust of Arlington Heights, Arlington Heights, Illinois -- to become a 

member of the Federal Reserve System.

- Approved, September 1, 2004 

Chicago

(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, September 4, 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 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, September 4, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Banco Popular North America, New York, New York, to 

establish two branch offices to be located at, 1231 South 

Sanderson Road, Hemet, California and 27931 Kelly Johnson 

Parkway, Santa Clarita, California.

Newspaper – 09/24/2004

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

4C8 Arrow Financial Corporation, Glens Fall, New York, proposes

to acquire 100 percent of Capital Financial Group, Inc., South 

Glens Falls, New York, and to engage in insurance agency 

activities. 

Fed Reg – 09/08/2004

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

Type Application

4c8 Community Bank System, Inc., Dewitt, New York 

(“Community Bank”), request prior approval to engage de novo, 

through its subsidiary Benefit Plans Administrative Services, 

LLC, Utica, New York, in activities related to providing certain 

insurance-related services and utilizing annuity products in 

connection with Community Bank’s pension plan adminstration.
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 Fourth Quarter of 2004

Institution Location

Bank of Smithtown 1 East Main Street, Smithtown, New York 11787 (Should 

have been reported in bulletin ending 8/14/04)

Deutsche Bank Trust Company Americas 60 Wall Street, New York, New York 10006 (Should have 

been reported in bulletin ending 8/14/04)

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

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

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

circumstances.
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, September 4, 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 regula tion 

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, September 4, 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 Notice of Change in Bank Control by Roger L. Moler and Janet 

L. Moler (collectively, "The Moler Family Control Group") to 

retain control of 10.20 percent of the outstanding shares of BNB 

Bancorp, Brookville, Ohio

Newspaper – N/Avail

Fed Reg – N/Avail

*3(a)(5) PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania, 

to acquire 100 percent of Riggs National Corporation, 

Washington, DC, and thereby indirectly acquire certain of its 

nonbank subsidiaries and Riggs Bank, NA, McLean, Virginia

Newspaper – N/Avail

Fed Reg – 09/09/2004

*3(a)(3) S&T Bancorp, Inc., Indiana, Pennsylvania, proposes to acquire 

up to 24.99 percent of the voting shares outstanding of 

Allegheny Valley Bancorp, Inc., Pittsburgh, Pennsylvania

Newspaper – 09/18/2004

Fed Reg – 09/20/2004

*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 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, September 4, 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

2736442 Bank of Williamsburg

5125 John Tyler Highway

Williamsburg, Virginia 23185

06/14/2004 08/29/2004 S X

813572 Cecil Federal Bank

127 North Street

Elkton, Maryland 21921

06/14/2004 09/03/2004 O 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, September 4, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

1100 Town Park Avenue, Lake Mary, Florida, to be known as 

the Heathrow/46A Office.*

Newspaper – 09/09/2004

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

1037-1039 Light Street, Baltimore, Maryland, to be known as 

the Federal Hill Office.*

Newspaper – 09/09/2004

*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)(1) Algiers Bancorp, Inc., Baton Rouge, Louisiana, to become a 

bank holding company by acquiring 100 percent of the

outstanding shares of Statewide Bank, Terrytown, Louisiana 

(f/k/a Algiers Bank & Trust).*

Newspaper – 10/01/2004

Fed Reg – 10/01/2004

3(a)(5) ABC Bancorp, Moultrie, Georgia, to merge with Citizens

Bancshares, Inc., and thereby acquire Citizens Bank – Wakulla, 

both of Crawfordville, Florida.*

Newspaper – N/Avail

Fed Reg – N/Avail

CIC First Southern Bancshares, Inc., Florence, Alabama, change in 

control notice filed by James E. Bishop, Muscle Shoals,

Alabama, Jane Kilpatrick Bishop, Muscle Shoals, and

Kilpatrick-Bishop, Tuscumbia, Alabama, to collectively acquire 

7.07 percent of First Southern Bancshares and its subsidiary, 

First Southern Bank, both of Florence, Alabama. Total

ownership will be 15.27 percent.

Newspaper – N/Avail

Fed Reg – 09/21/2004

*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) DBT Holding Company, Vidalia, Georgia, to own a 30 percent 

investment in Graham Capital Partners, LLC, Savannah,

Georgia, and thereby engage de novo in financial and

investment advisory activities, and agency transactional services 

for customer investments, pursuant to section 225.28 (b) (6) and 

(7) of Regulation Y.

Fed Reg – N/Avail

4(c)(8) DBT Holding Company, Vidalia, Georgia, to own 47.5 percent 

investment in DBW Technologies, LLC, Atlanta, Georgia, and 

thereby engage de novo in data processing activities, pursuant 

to section 225.28 (b) (14) of Regulation Y.

Fed Reg – N/Avail

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, September 4, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C & Branch First Trust and Savings Bank of Watseka, Watseka, Illinois, to 

merge with First National Bank of Clifton, Clifton, Illinois, and 

thereby to establish a branch at 145 E. 5th Avenue, Clifton, 

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

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Parkway Bancorp, Inc., Harwood Heights, Illinois, proposes to 

acquire 49.9 percent interest in Parkway Mortgage & Financial 

Center, LLC, Des Moines, Iowa, and thereby engage in 

residential real estate mortgage lending activities.

Fed Reg – 09/21/2004

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

944841 First State Bank of Round Lake

1777 N. Cedar Lake Road

Round Lake Beach, Illinois 60073

(847) 546-2111

04/19/2004 08/24/2004 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, September 4, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Pulaski Bank and Trust Company, Little Rock, Arkansas, to 

establish a branch facility to be located at 7465 Poplar Avenue, 

Memphis, Tennessee.*

Newspaper – 09/14/2004

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

facility to be located at 4409 North Highway 7, Suite 10, Hot 

Springs Village, Arkansas.*

Newspaper – 09/09/2004

18C & Branch First Bank, St. Louis, Missouri, to merge with CIB Bank, 

Hillside, Illinois, and to retain the acquired facilities as branch 

offices.*

Newspaper – 10/01/2004

* 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, and its subsidiary bank 

holding company, The San Francisco Company, San Francisco, 

California, to acquire 100 percent of Hillside Investors, Ltd., 

Hillside, Illinois, and thereby indirectly acquire CIB Bank, 

Hillside, Illinois.*

Newspaper – 10/01/2004

Fed Reg – 10/01/2004

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

Membership Bank of Evansville, National Association, Evansville, Indiana, 

to become a member of the Federal Reserve System.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD 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, September 4, 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 Notice by Kevin R. Engel, Le Center, Minnesota, and Rodney 

G. Engel, Jordan, Minnesota, to acquire control of First State 

Agency of Le Center, Inc., Le Center, Minnesota, and thereby 

indirectly acquire control of First State Bank of Le Center, Le 

Center, Minnesota.

Fed Reg – 09/21/2004

Newspaper – N/Avail

3(a)(1) Timberland Bancorp, Baxter, Minnesota, to become a bank 

holding company by acquiring 100 percent of the 

outstanding common stock of Buhl Bancorporation, Inc., 

Buhl, Minnesota, and thereby indirectly acquire The First 

National Bank of Buhl, Buhl, Minnesota. *

Fed Reg – 09/24/2004

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 newspape r 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, September 4, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Platte Valley State Bank & Trust Company, Kearney, Nebraska, 

to establish a branch at 5410 17th Avenue, Kearney, Nebraska.

Newspaper – 09/08/2004

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

Type Application

Ending date of

comment period

3(a)(3) Wilber Co., Wilber, Nebraska, to acquire 100 percent of the 

voting shares of Hickman Corporation, Hickman, Nebraska, and 

thereby indirectly acquire First State Bank, Lincoln, Nebraska.

Newspaper – 09/26/2004

Fed Reg – N/Avail

3(a)(3) Wilber Co., Wilber, Nebraska, to acquire 100 percent of the 

voting shares of Yutan Bancorp., Inc., Yutan, Nebraska, and 

thereby indirectly acquire Bank of Yutan, Yutan, Nebraska.

Newspaper – 09/26/2004

Fed Reg – N/Avail

3(a)(3) SSB Management LLC, Wilber, Nebraska, to acquire an 

additional 362 shares, for a total of 45.2 percent of the voting 

shares of Wilber Co., Wilber, Nebraska.

Newspaper – 09/26/2004

Fed Reg – N/Avail

3(a)(3) SSB Management LLC, Wilber, Nebraska, to acquire through 

Wilber Co., Wilber, Nebraska, 100 percent of the voting shares 

of Hickman Corporation, Hickman, Nebraska, and thereby 

indirectly acquire First State Bank, Lincoln, Nebraska.

Newspaper – 09/26/2004

Fed Reg – N/Avail

3(a)(3) SSB Management LLC, Wilber, Nebraska, to acquire through 

Wilber Co., Wilber, Nebraska, 100 percent of the voting shares 

of Yutan Bancorp., Inc., Yutan, Nebraska, and thereby indirectly 

acquire Bank of Yutan, Yutan, Nebraska.

Newspaper – 09/26/2004

Fed Reg – N/Avail

3(a)(3) First National Johnson Bancshares, Inc., Johnson, Nebraska, to 

acquire an additional 104 shares, for a total of 12.9 percent of 

the voting shares of Wilber Co., Wilber, Nebraska.

Newspaper – 09/26/2004

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

Type Application

Ending date of

comment period

3(a)(3) First National Johnson Bancshares, Inc., Johnson, Nebraska, to 

acquire through Wilber Co., Wilber, Nebraska, 100 percent of 

the voting shares of Hickman Corporation, Hickman, Nebraska, 

and thereby indirectly acquire First State Bank, Lincoln, 

Nebraska.

Newspaper – 09/26/2004

Fed Reg – N/Avail

3(a)(3) First National Johnson Bancshares, Inc., Johnson, Nebraska, to 

acquire through Wilber Co., Wilber, Nebraska, 100 percent of 

the voting shares of Yutan Bancorp., Inc., Yutan, Nebraska, and 

thereby indirectly acquire Bank of Yutan, Yutan, Nebraska.

Newspaper – 09/26/2004

Fed Reg – N/Avail

4(c)(8) Wilber Co., Wilber, Nebraska, to engage in insurance activities 

through the acquisition of Yutan Insurance Agency, Yutan, 

Nebraska.

Newspaper – 09/26/2004

Fed Reg – N/Avail

4(c)(8) SSB Management LLC, Wilber, Nebraska, to indirectly engage 

in insurance activities through the acquisition of Yutan 

Insurance Agency, Inc., Yutan, Nebraska, by Wilber Co., 

Wilber, Nebraska.

Newspaper – 09/26/2004

Fed Reg – N/Avail

4(c)(8) First National Johnson Bancshares, Inc., Johnson, Nebraska, to 

indirectly engage in insurance activities through the acquisition 

of Yutan Insurance Agency, Inc., Yutan, Nebraska, by Wilber 

Co., Wilber, Nebraska.

Newspaper – 09/26/2004

Fed Reg – N/Avail

CIC Notification by Robert E. Schmidt, Hays, Kansas, and Willard 

L. Frickey, Las Vegas, Nevada, to acquire control of Hanston 

Insurance Agency, Inc., parent of Hanston State Bank, both of 

Hanston, Kansas.

Newspaper – N/Avail

Fed Reg – 09/21/2004

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

502858 Kearney State Bank and Trust 

Company

3015 2nd Avenue

Kearney, Nebraska 68847

06/07/2004 09/02/2004 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, September 4, 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 James G. Bethard, Coushatta, LA, et al, to acquire an interest in

Coushatta Bancshares, Inc., Coushatta, LA (previously reported 

the week ending August 28, 2004)

Fed Reg – 09/17/2004

Newspaper – 09/25/2004

CIC Charles E. Key, Lubbock, TX, to acquire an interest in 

Commerce National Financial Services, Inc., Lubbock, TX

Fed Reg – N/Avail

Newspaper – 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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, September 4, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Placer Sierra Bank, Auburn, California, to establish a branch 

facility at the corner of Park Boulevard and Sunset Boulevard, 

Rocklin, California.*

Newspaper – 08/31/2004

* 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 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

2661898 Pacific Liberty Bank

19950 Beach Boulevard

Huntington Beach, CA 92648

(714) 429-2100

05/10/2004 09/01/2004 S X

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

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

for errors or omissions.

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None