Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 10

Week Ending March 10, 2001

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions March 4, 2001 to March 10, 2001

Bank Holding Companies

Firstar Corporation, Milwaukee, Wisconsin -- commenter's request for reconsideration of 

the Board's approval of the application to merge with U.S. Bancorp, Minneapolis, 

Minnesota.

- Denied, March 6, 2001 

Banks, Foreign

Societe Generale, Paris, France -- to establish a state-licensed agency in Greenwich, 

Connecticut.

- Approved, March 5, 2001 

Regulations And Policies

Fair Credit Reporting Act -- determination that a proposed rule implementing certain 

provisions of the Fair Credit Reporting Act (Docket No. R-1082) will not require 

depository institutions to revise Gramm-Leach-Bliley Act privacy notices prepared in 

reliance on existing Fair Credit Reporting Act law and delivered to consumers before 

January 2001, and update on the status of the rulemaking.

- Approved, March 6, 2001 

Plain language report -- report to Congress on the use of plain language in agency 

rulemaking.

- Approved, March 6, 2001 

Regulation H -- extension to October 1, 2001, of the effective date of interagency rules to 

establish consumer protections on sales of insurance products and annuities by depository 

institutions.

- Approved, March 8, 2001 

Securities Regulation

Securities futures products -- delegation of the Board's margin authority for security 

futures products to the Commodity Futures Trading Commission and the Securities and 

Exchange Commission jointly.

- Approved, March 5, 2001 

(AC) = Addition or Correction Board - Page 1 of 1
March 4, 2001 to March 10, 2001

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulatio

Consumer and Community Affai

Federal Open Market Committ

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Managemen

H.2 Actions under delegated authority

Bank Branches, Domestic

Adirondack Trust Company, Saratoga Springs, New York -- to establish a branch at 24 

Maple Street, Glen Falls, New York.

- Approved, March 7, 2001 

New York

The Bank of Marion, Marion, Virginia -- to establish a branch at 3124 Lee Highway, 

Suite 1, Bristol.

- Approved, March 9, 2001 

Richmond

Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 3201 Beechleaf 

Court, Raleigh.

- Approved, March 9, 2001 

Secretary

First Banking Center, Burlington, Wisconsin -- to establish a branch at 3825 39th 

Avenue, Kenosha.

- Approved, March 7, 2001 

Chicago

Nevada First Bank, Las Vegas, Nevada -- to establish a branch at 777 North Rainbow 

Boulevard.

- Approved, March 8, 2001 

San Francisco

Palm Beach County Bank, Boynton Beach, Florida -- to establish a branch at 4801 

Linton Boulevard, Delray Beach.

- Approved, March 5, 2001 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority March 4, 2001 to March 10, 2001

Bank Holding Companies

Anita Bancorporation, Atlantic, Iowa -- waiver of application in connection with the 

acquisition of Rippey Savings Bank, Rippey.

- Granted, March 9, 2001 

Chicago

BSB Community Bancorporation, Inc., Benton, Wisconsin -- to become a bank holding 

company through the acquisition of Benton State Bank.

- Approved, March 5, 2001 

Chicago

CCB Corporation, Kansas City, Missouri -- to acquire additional shares of Acquisition 

Corporation, Leawood, Kansas.

- Approved, March 8, 2001 

Kansas City

Centra Financial Holdings, Inc., Morgantown, West Virginia -- to acquire Centra 

Financial Corporation-Martinsburg, Inc., Martinsburg, and Centra Financial CorporationMorgantown, Inc., Morgantown, and for Centra Financial Corporation-Martinsburg, Inc. 

and Centra Financial Corporation-Morgantown, Inc. to become second-tier bank holding 

companies through the acquisition of shares of Centra Bank, Inc. 

- Approved, March 9, 2001 

Richmond

Financial Institutions Services, Inc., Warsaw, New York -- to acquire and merge with 

Bath National Corporation, Bath, New York, and thereby indirectly acquire Bath 

National Bank.

- Approved, March 9, 2001 

Secretary

First Ainsworth Company, Ainsworth, Nebraska -- to engage de novo in extending credit 

and servicing loans.

- Approved, March 7, 2001 

Kansas City

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

Bank Holding Companies

First Olathe Bancshares, Inc., Kansas City, Missouri -- to acquire shares of Bannister 

Bancshares, Inc., for Bannister Bancshares to become a bank holding company through 

the acquisition of shares of Bannister Bank & Trust Company, and for Glasnapp Family 

Limited Partnership 1, Mission Hills, Kansas, to acquire control of Bannister Bancshares.

- Approved, March 9, 2001 

Kansas City

Hooker National Bancshares, Inc., Hooker, Oklahoma -- to engage de novo in lending 

activities.

- Approved, March 8, 2001 

Kansas City

Katy Bancshares, Inc., Katy, Texas -- to become a bank holding company through the 

acquisition of Katy Bancshares Delaware, Inc., Wilmington, Delaware, and Katy Bank, 

National Association, Katy, and for Katy Bancshares Delaware, Inc. to become a bank 

holding company through the acquisition of Katy Bank, National Association.

- Approved, March 8, 2001 

Dallas

Platte Valley Financial Service Companies, Inc., Scottsbluff, Nebraska -- to acquire TriCounty Bancorp, Inc., Torrington, Wyoming, and thereby indirectly acquire Tri-County 

Bank and engage in operating a savings association.

- Approved, March 6, 2001 

Secretary

Plymouth Financial Corporation, Plymouth, Michigan -- to become a bank holding 

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

- Approved, March 6, 2001 

Chicago

United Bancorp, Inc., Tecumseh, Michigan -- to acquire shares of United Bank & TrustWashtenaw, Ann Arbor, a de novo bank.

- Approved, March 9, 2001 

Chicago

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority March 4, 2001 to March 10, 2001

Bank Holding Companies

WB&T Bankshares, Inc., Waycross, Georgia -- to acquire Guardian Bank, Valdosta, a 

de novo bank.

- Approved, March 9, 2001 

Atlanta

Banks, Foreign

Mizuho Holdings, Inc., Tokyo, Japan, and The Dai-Ichi Kangyo Bank, Limited -- to 

establish a de novo joint venture, JCB Finance, LLC, Wilmington, Delaware, indirectly 

through The CIT Group, Inc., and thereby engage in extending credit and servicing loans, 

activities related to extending credit, and leasing personal or real property.

- Approved, March 7, 2001 

New York

Capital Stock

United Nebraska Financial Company, Grand Island, Nebraska -- treasury stock 

transaction.

- Approved, March 9, 2001 

Kansas City

Change In Bank Control

CGB&L Financial Group, Inc., Cerro Gordo, Illinois -- change in bank control without 

filing of formal notice.

- Permitted, March 9, 2001 

Chicago

First Community Bancshares, Inc., Bargersville, Indiana -- notification to retain control of 

First Community Bancshares, Inc.

- Permitted, March 9, 2001 

Chicago

Competitive Factors Reports

1st Choice Bank, Houston, Texas -- report on competitive factors of the proposed 

merger with 1st Choice Acquisition Corporation, an interim bank.

- Submitted, March 7, 2001 

Dallas

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

Competitive Factors Reports

Benton State Bank, Benton, Wisconsin -- report on competitive factors of the proposed 

merger with New Benton State Bank.

- Approved, March 6, 2001 

Chicago

Bremer Bank, N.A., South St. Paul, Minnesota -- report on competitive factors of the 

proposed purchase of certain assets and assumption of certain liabilities of eleven 

branches of Firstar Bank, N.A., Cincinnati, Ohio.

- Submitted, March 7, 2001 

Minneapolis

Citizens Community Bank of Florida, Marcos Island, Florida -- report on competitive 

factors of the proposed merger with First National Bank of Florida, Naples, Florida.

- Submitted, March 2, 2001 (AC)

Cleveland

FMS Financial Corporation, Burlington, New Jersey -- report on competitive factors of 

the proposed acquisition of CloverBank, Pennsauken.

- Submitted, March 9, 2001 

Philadelphia

Summit National Bank, Fort Worth, Texas -- report on competitive factors of the 

proposed merger with Summit Community Bank, N.A., Fort Worth.

- Submitted, March 6, 2001 

Dallas

Trustmark National Bank, Jackson, Mississippi -- report on competitive factors of the 

proposed merger with Peoples Bank, Barretville, Tennessee.

- Submitted, March 9, 2001 

Secretary

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority March 4, 2001 to March 10, 2001

Extensions Of Time

A.N.B. Holding Company, Ltd., Terrell, Texas -- extension to June 13, 2001, to acquire 

The ANB Corporation, The ANB Delaware Corporation, and The American National 

Bank of Texas.

- Granted, March 6, 2001 

Dallas

F.N.B. Corporation, Hermitage, Pennsylvania -- extension to May 27, 2001, to acquire 

shares of Sun Bancorp, Inc., Selinsgrove.

- Granted, February 27, 2001 (AC)

Cleveland

First Sentinel Bank, Richlands, Virginia -- extension to April 11, 2002, to establish a 

branch at U.S. Routes 19 and 460 in Tazewell County.

- Granted, March 7, 2001 

Richmond

Sylvan State Bank, Sylvan Grove, Kansas -- extension to June 30, 2001, to acquire 

Centerville State Bank, Centerville.

- Granted, March 7, 2001 

Kansas City

Regulations And Policies

Regulations C and Z -- commenter's request to extend the comment periods on proposed 

amendments.

- Denied, March 9, 2001 

Secretary

(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, March 10, 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 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, March 10, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank of Communications, People’s Republic of China, to

establish a representative office in Los Angeles, California .*

Newspaper – N/Avail

Branch Abbey National Treasury Services plc, London, United

Kingdom, to establish a branch in Stamford, Connecticut.*

Newspaper – 03/24/2001

* 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)(1)/3(a)(5)/

4(c)(8)

Royal Bank of Canada, Montreal and Rock Merger Subsidiary,

Inc., Raleigh, North Carolina, to become bank holding

companies by acquiring Centura Banks, Inc. and Centrua Bank,

both of Rocky Mount, North Carolina.

Newspaper – N/Avail/Fed

Reg – N/Avail

3(a)(1)/3(a)(3) Citigroup Inc., New York, New York, Citigroup Holding

Company, Wilmington, Delaware, Citibank, N.A., New York,

New York, and Citicorp, New York, New York, to acquire

European American Bank, Uniondale, New York.*

Newspaper – N/Avail/Fed

Reg – 04/02/2001

* 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

25 Citibank, N.A., New York, New York, and Citibank Overseas

Investment Corporation, New Castle, Delaware, to make an

investment pursuant to Section 25 of the Federal Reserve Act.

25 Citigroup Inc., New York, New York, and Travelers Group

International LLC, New York, New York, to make an

investment pursuant to Section 25 of the Federal Reserve Act.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, March 10, 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 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, March 10, 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 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, March 10, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch The Bank of Monroe, Union, West Virginia, to establish a

branch at 790 North Jefferson Street, Lewisburg, West

Virginia.*

Newspaper - 03/23/2001

Branch Pleasants County Bank, St. Marys, West Virginia, to establish

a branch at 213 Washington Street, St. Marys, West Virginia.*

Newspaper - 03/23/2001

Branch Capon Valley Bank, Wardensville, West Virginia, to establish

a branch at 6701 Northwestern Pike, Gore, Virginia.*

Newspaper - 03/24/2001

*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) BB&T Corporation, Winston-Salem, North Carolina, to

acquire Virginia Capital Bancshares, Inc., Fredericksburg,

Virginia.*

Fed Reg - 04/02/2001

Newspaper - 04/02/2001

3(a)(1) Waccamaw Bankshares, Inc., Whiteville, North Carolina, to

become a bank holding company through the acquisition of

Waccamaw Bank, Whiteville, North Carolina.*

Fed Reg - N/Avail

Newspaper - 04/05/2001

*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) Capital Bank Corporation, Raleigh, North Carolina, to engage

in securities brokerage and investment advisory activities

through Capital Bank Investment Services, Inc., Raleigh,

North Carolina, and to acquire certain investment securities

business of Reginald C. Rogers.

FBSEA Allied Irish Banks, p.l.c., Dublin, Ireland, to establish a

representative office in Boston, Massachusetts.

Membership Farmers & Mechanics Bank, Frederick, Maryland, for

membership in the Federal Reserve System.

Membership Waccamaw Bank, Whiteville, North Carolina, for membership in 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 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, March 10, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First Nation Bank, Covington, Georgia, to establish a branch

located at the Wal-Mart Super-Center located on Willow Lane,

McDonough, Georgia.

03/16/2001

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

Type Application

Ending date of

comment period

3(a)(3) One American Corporation, Vacherie, Louisiana, to acquire

Schwegmann Bank and Trust Company, Harvey, Louisiana.

Fed Reg – 04/09/2001*

3(a)(1) Rivoli BanCorp, Inc., Macon, Georgia, to become a bank

holding company by acquiring Rivoli Bank & Trust, Macon,

Georgia.

Fed Reg – 03/30/2001*

CIC Peoples Bancshares of Coupee Parish, Inc., New Roads,

Louisiana, after-the-fact notification filed by Mr. Joseph

Jefferson David, Mr. William Carl David, Mr. Stephen Paul

David, Mr. Stephen Paul David, Jr., Mr. William Robert David,

Mr. Jeffery Thomas David, Ms. Lauren Riche’ David, and

Mr. Robert Jefferson David, to retain .177 percent of the

outstanding shares of Peoples Bancshares of Pointe Coupee

Parish, Inc., New Roads, Louisiana. Total ownership is 17.8612

percent.

Fed Reg – 04/02/2001

CIC The Weatherford Foundation of Red Bay, Inc., Red Bay,

Alabama, after-the-fact notification filed by Mr. Bradley M.

Bolton to retain voting powers as a trustee of The Weatherford

Foundation of Red Bay, Inc., that owns 60.90 percent of the

outstanding shares of Independent Bancshares, Inc., and its

subsidiary, Community Spirit Bank, all of Red Bay, Alabama.

Fed Reg – 04/02/2001

*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 PB Financial Services Corporation, Duluth, Georgia,

commitment waiver request.

3(a)(1) Gulf Stream Bancshares, Inc., Stuart, Florida, notice to become

a bank holding company by acquiring Gulf Stream Business

Bank, Stuart, Florida.

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, March 10, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First American Bank, Carpentersville, Illinois, for prior approval

to establish a branch at the northwest corner of the intersection

of Randall Road and Silver Glen Road, South Elgin, Illinois.*

Newspaper – 3/15/2001

Branch Johnson Bank, Racine, Wisconsin, for prior approval to establish

a branch at 701 North 8th Street, Sheboygan, Wisconsin.*

Newspaper – 3/14/2001

Branch Prairie Bank and Trust Company, Bridgeview, Illinois, for prior

approval to establish a branch at the southwest corner of 191st

and 88th Avenue, Mokena, Illinois.*

Newspaper – 3/28/2001

Merger &

 Branch

Rolling Hills Bank and Trust, Atlantic, Iowa, for prior approval

to merge with Rippey Savings Bank, Rippey, Iowa and thereby

to establish a branch at 214 Main Street, Rippey, 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 – 2/08/2001

Newspaper – 3/10/2001

3(a)(5) AmericaUnited Bancorp, Inc., Schaumburg, Illinois, for prior

approval to acquire 100 percent of the voting shares of National

Bancorp, Inc., Sycamore, Illinois and thereby indirectly acquire

American National Bank of DeKalb County, Sycamore,

Illinois.*

Fed Reg – 3/09/2001

Newspaper – 3/24/2001

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, and Central Valley Bank, Ottumwa, Iowa.*

Fed Reg – 2/05/2001

Newspaper – 3/15/2001
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

CIC Notification by Harry Pike Schaller of a Change in Control, that

his ownership in FNC, Inc., Storm Lake, Iowa, increased from

20.8% to 39.8%.

Fed Reg – 3/02/2001

Newspaper – 3/05/2001

3(a)(3) Grant County State Bancshares, Inc. Employees Stock

Ownership Plan, Swayzee, Indiana, for prior approval to acquire

an additional 1,620 shares (2.45%), for a total ownership of

19,813 shares (30.02%) of the voting shares of Grant County

State Bancshares, Inc., Swayzee, Indiana and thereby indirectly

acquire Grant County State Bank, Swayzee, Indiana.*

Fed Reg – 3/19/2001

Newspaper – 3/19/2001

3(a)(3) Heartland Bancorp, Inc., Bloomington, Illinois, for prior

approval to acquire 100 percent of the voting shares of Court

Acceptance Company, Pekin, Illinois and thereby indirectly

acquire First State Bank of Pekin, Pekin, Illinois.*

Fed Reg – 3/22/2001

Newspaper – 3/19/2001

3(a)(3) Ida Grove Bancshares, Inc., Ida Grove, Iowa, for prior approval

to acquire at least 80.1% and up to 100% of Alliance

Bancshares, Inc., Rockwell City, Iowa, and thereby indirectly

acquire Alliance Bank, Rockwell City, Iowa.*

Fed Reg – 3/12/2001

Newspaper – 3/09/2001

* 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

4(c)(8) Bank One Corporation, Chicago, Illinois, notification of intent to

expand its investment in existing community development

activities currently conducted by its subsidiaries.

Fed Reg – 3/13/2001

4(c)(8) Citizens Banking Corporation, Flint, Michigan, notification of

intent to acquire, through NYCE Corporation, Woodcliff Lake,

New Jersey, voting interests of SecureAccess Company, LLC.

Fed Reg – 3/20/2001

4(c)(8) Comerica Incorporated, Detroit, Michigan, notification of intent

to acquire, through NYCE Corporation, Woodcliff Lake, New

Jersey, voting interests of SecureAccess Company, LLC.

Fed Reg – 3/20/2001

4(c)(8) National Bancshares, Inc., Bettendorf, Iowa, for prior approval

to acquire 100% of FirstCity Mortgage Corp., Bettendorf, Iowa,

and thereby engage in making and servicing loans.

Fed Reg – 3/22/2001
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

WAIVER Anita Bancorporation, Atlantic, Iowa, for prior approval for

waiver of filing a Section 3 to acquire Rippey Saving Bank,

Rippey, Iowa.

WAIVER CGB&L Financial Group, Inc., Cerro Gordo, Illinois, for prior

approval for waiver of filing a Change in Control notification by

David Bijan Movtady.

4(c)(8) Hawarden Banshares, Inc., Hawarden, Iowa, for prior approval

to acquire G-W Insurance Services, Inc., Hawarden, Iowa.

3(a)(1)RN Hustisford Community Bancorp, Inc., Hustisford, Wisconsin, for

prior approval to become a bank holding company through the

acquisition of 100 percent of the voting shares of Hustisford

State Bank, Hustisford, Wisconsin.

4(c)(8) Northern Trust Corporation, Chicago, Illinois, notification of

intent to engage de novo, indirectly through Northern Trust

Global Advisors, Inc., Stamford, Connecticut, as a commodity

pool operator and commodity trading advisor.

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 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, March 10, 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

585543 Bank of Louisville

Louisville, Kentucky

9/11/2000 3/7/2001 O X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, March 10, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

5(d)(3) &

BRANCH

Western Security Bank, Billings, Montana, a de novo bank, to

merge with Western Security Bank, Missoula, Montana, a

Federal Savings Bank, and incident thereto establish 25

branches.*

04/16/2001

*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)(1) Alliance Bank Shares Corporation, Andover, Minnesota, for

prior approval to become a bank holding company through the

acquisition of 100% of the voting shares of 1st Regions Bank,

Andover, Minnesota, a de novo bank.*

Fed Reg – 04/06/2001

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

None

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

Type Application

Member Western Security Bank, Billings, Montana, a de novo bank, 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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, March 10, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank of Colorado, Fort Lupton, Colorado, for prior approval to

establish a branch at 205 Country Center Drive, Pagosa Springs,

Colorado.

Newspaper – 03/08/2001

Branch Centennial Bank of the West, Eaton, Colorado, for prior

approval to establish a branch at 2102 North Main Street,

Longmont, Colorado.

Newspaper – 01/04/2001

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

4 (c)(8) Hooker National Bancshares, Inc., Hooker, Oklahoma, for prior

approval to engage in lending 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

579252 Gold Bank

11301 Nall Avenue

Leawood, Kansas 66211

10/30/2000 03/09/2001 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, March 10, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch TIB The Independent BankersBank, Irving, TX, to establish a

branch office at

7134 South Yale Avenue, Suite 138, Tulsa, OK, 74136-6372*

03/23/2001

*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

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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, March 10, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Nevada First Bank, Las Vegas, Nevada, to establish a branch

office at 777 N. Rainbow Boulevard, Las Vegas, Nevada.*

Newspaper – 02/28/2001

Branch Heritage Bank South Valley, Morgan Hill, California, to

establish a branch office to be located in the Town Center Plaza

at 737 First Street, Gilroy, California .*

Newspaper – 03/08/2001

* 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

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

3(a)(5)(C) EvergreenBancorp to become a bank holding company by

acquiring EvergreenBank, both of Seattle, Washington.

3(a)(5)(C) Valley Bancorp to become a bank holding company by

acquiring Valley Bank, both of Henderson, Nevada.

S/R Mid Valley Bank, Red Bluff, California, to repurchase 30,000

shares of its common stock.
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