H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 27 

Week Ending July 2, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions June 26, 2005 to July 2, 2005 

Bank Holding Companies 

PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania -- request for 

reconsideration of the Board's order approving the application to merge with Riggs 

National Corporation, Washington, D.C., and to acquire its subsidiary bank, Riggs 

Bank National Association, McLean, Virginia. 

- Denied, June 29, 2005 

Discount Rates 

Discount and Advance Rates -- increase in the primary credit rate from 4 percent to 

4-1/4 percent by twelve Federal Reserve Banks. 

- Approved, June 30, 2005 

Forms 

Forms -- final Board review to extend with revision the Annual Report of Foreign 

Banking Organizations (FR Y-7) and Financial Statements of U.S. Nonbank 

Subsidiaries Held by Foreign Banking Organizations (FR Y-7N); and to extend 

without revision the Abbreviated Financial Statements of U.S. Nonbank 

Subsidiaries Held by Foreign Banking Organizations (FR Y-7NS) and Capital and 

Asset Report for Foreign Banking Organizations (FR Y-7Q). 

- Approved, June 29, 2005 

Enforcement 

J.P. Morgan Chase & Co., New York, New York -- order of prohibition and order to 

cease and desist against Matthew T. Stromgren, a former financial advisor. 

- Announced, June 28, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority June 26, 2005 to July 2, 2005 

BS&R Banking Supervision and Regulation RBOPS Reserve Bank Operations and Payment Systems 

C&CA Consumer and Community Affairs IF International Finance 

FOMC Federal Open Market Committee OSDM Office of Staff Director for Management 

Bank Branches, Domestic 

Atlanta 

Capital Bank, Montgomery, Alabama -- to establish a branch at 3311 Malcolm 

Drive. 

- Approved, June 29, 2005 

Secretary 

Comerica Bank, Detroit, Michigan -- to establish branches at 680 Newport Center 

Drive, Suite 290, Newport Beach, California, and 12001 West San Vicente 

Boulevard, Suite 100, Los Angeles. 

- Approved, June 29, 2005 

Richmond 

First Charter Bank, Charlotte, North Carolina -- to establish a branch at 2501 Blue 

Ridge Road, Suite 100, Raleigh. 

- Approved, June 28, 2005 

Kansas City 

FirstBank, Antlers, Oklahoma -- to establish a branch at 701 South Broadway, 

Coalgate. 

- Approved, July 1, 2005 

San Francisco 

Oak Valley Community Bank, Oakdale, California -- to establish a branch in Main 

Street Plaza at the corner of West Main Street and Wilma Avenue, Ripon. 

- Approved, June 28, 2005 

Chicago 

Port Byron State Bank, Port Byron, Illinois -- to establish a branch at 104 West 

Third Street, Coal Valley, and to increase its investment in bank premises. 

- Approved, June 30, 2005 

Cleveland 

Sky Bank, Salineville, Ohio -- to establish a branch at OSU Campus Financial 

Center, 1824 North High Street, Columbus. 

- Approved, June 27, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 6 
H.2 Actions under delegated authority June 26, 2005 to July 2, 2005 

Bank Branches, Domestic 

Cleveland 

Sky Bank, Salineville, Ohio -- to establish a branch at Mt. Lebanon Financial 

Center, 327 Cochran Road, Mt. Lebanon, Pennsylvania. 

- Approved, June 27, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 13927 St. Augustine 

Road, Jacksonville, Florida. 

- Approved, June 30, 2005 

Bank Holding Companies 

Boston 

First Brandon Financial Corporation, Brandon, Vermont -- to become a bank 

holding company and to acquire First Brandon National Bank. 

- Approved, June 30, 2005 

Atlanta 

Georgian Bancorporation, Inc., Powder Springs, Georgia -- relief from a 

commitment. 

- Granted, June 29, 2005 

San Francisco 

Mission Oaks Bancorp, Temecula, California -- to become a bank holding company 

and to acquire Mission Oaks National Bank. 

- Approved, July 1, 2005 

General Counsel 

TCF Financial Corporation, Wayzata, Minnesota -- request for an exemption under 

the Depository Institutions Management Interlocks Act and Regulation L. 

- Granted, June 30, 2005 

Atlanta 

Vision Bancshares, Inc., Panama City, Florida -- relief from a commitment. 

- Withdrawn, June 30, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 6 
H.2 Actions under delegated authority June 26, 2005 to July 2, 2005 

Bank Holding Companies 

Minneapolis 

Vision Bancshares, Inc., St. Louis Park, Minnesota -- to become a bank holding 

company and to acquire Vision Bank, a de novo bank. 

- Withdrawn, June 27, 2005 

Bank Mergers 

Atlanta 

Bank of Alabama, Birmingham, Alabama -- to merge with United Bank of the Gulf 

Coast, Sarasota, Florida. 

- Approved, July 1, 2005 

Banks, Foreign 

Director, BS&R 

Aozora Bank, Ltd., Tokyo, Japan -- to establish a representative office in New 

York, New York. 

- Approved, June 29, 2005 

Change In Bank Control 

Kansas City 

Garden City Bancshares, Inc., Garden City, Missouri -- change in bank control. 

- Permitted, June 29, 2005 

St. Louis 

Liberty Bancshares, Inc., Alton, Illinois -- to retain control of Liberty Bancshares, 

Inc. 

- Permitted, June 28, 2005 

Philadelphia 

Malvern Bank Corporation, Malvern Pennsylvania -- change in bank control. 

- Permitted, July 1, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 6 
H.2 Actions under delegated authority June 26, 2005 to July 2, 2005 

Competitive Factors Reports 

Kansas City 

The Bank of Fairport, Maysville, Missouri -- report on competitive factors of the 

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

Clarksdale branch of UMB Bank, N.A., Kansas City. 

- Submitted, June 29, 2005 

Atlanta 

The Bank, Birmingham, Alabama, an interim thrift institution -- report on 

competitive factors of the proposed merger with The Bank. 

- Submitted, June 29, 2005 

Atlanta 

FSGBank, National Association, Chattanooga, Tennessee -- report on competitive 

factors of the proposed merger with Jackson Bank and Trust, Gainesboro. 

- Submitted, June 27, 2005 

Dallas 

Inter National Bank, McAllen, Texas -- report on competitive factors of the 

proposed merger with City National Bank, Weslaco. 

- Submitted, June 30, 2005 

Extensions Of Time 

Atlanta 

BancTenn Corporation, Kingsport, Tennessee -- extension to July 6, 2005, to 

acquire up to 20 percent of the shares of Paragon Commercial Corporation, Raleigh, 

North Carolina, and Paragon Commercial Bank. 

- Granted, June 29, 2005 

Director, BS&R 

Citigroup Inc., New York, New York -- extension of time to conform certain 

investments of its subsidiary, Banco Nacional de Mexico, S.A., Mexico City, 

Mexico, to the requirements of Regulation K and request to make an additional 

investment. 

- Granted, June 30, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 6 
H.2 Actions under delegated authority June 26, 2005 to July 2, 2005 

Extensions Of Time 

Kansas City 

Citizens Bancshares, Inc. ESOP, Edmond, Oklahoma -- extension to September 30, 

2005, to acquire up to 40 percent of the shares of Citizens Bancshares, Inc., parent 

of Citizens Bank of Edmond. 

- Granted, June 30, 2005 

Financial Holding Companies 

Director, BS&R 

Eurohypo Aktiengesellschaft, Eschborn, Germany -- election to be treated as a 

financial holding company. 

- Effective, June 30, 2005 

San Francisco 

Great Basin Financial Corporation, Elko, Nevada -- election to become a financial 

holding company. 

- Effective, June 30, 2005 

New York 

HSBC Overseas Holdings (UK) Limited, London, England -- election to become a 

financial holding company. 

- Effective, June 30, 2005 

International Operations 

Director, BS&R 

J.P. Morgan Chase & Co., New York, New York -- waiver of remainder of 

notification period for JPMorgan Chase Bank, National Association, Columbus, 

Ohio, to establish a branch in Riyadh, Saudi Arabia. 

- Granted, June 30, 2005 

Atlanta 

Trustmark National Bank, Jackson, Mississippi -- to establish a branch in George 

Town, Grand Cayman, Cayman Islands. 

- Withdrawn, June 29, 2005 

(AC) = Addition or Correction Delegated - Page 5 of 6 
H.2 Actions under delegated authority June 26, 2005 to July 2, 2005 

Regulations And Policies 

FOMC 

Short-term Interest Rates -- increase in the target for the federal funds rate from 3 

percent to 3-1/4 percent. 

- Approved, June 30, 2005 

(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, July 2, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

4(c)(8) Boston Private Financial Holdings, Inc., Boston, Massachusetts -

to acquire Gibraltar Financial Corporation and its wholly-owned 

subsidiary, Gibraltar Bank, FSB, both of Coral Gables, Florida

Newspaper – 07/08/2005

Fed Reg – 07/11/2005

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 he lp 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, July 2, 2005

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 Adirondack Bancorp, Utica, New York, Change in Control by 

The H.T. Clark I Family Limited Partnership (“Limited 

Partnership”), and Harold T. Clark Jr., both of Utica, New York, 

as general partner to acquire 72.19% of the common shares of 

Adirondack Bancorp Inc.; simultaneously Limited Partnership to 

become a “qualified family limited partnership”.

Newspaper – N/Avail

Fed Reg – N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4C8 Fubon Financial Holding Co., Ltd., Taipei, Taiwan, to engage in 

certain limited securities activities through its indirect whollyowned subsidiaries, Fubon Securities USA LLC and Fubon 

Asset Management USA LLC, both of Pasadena, California.

Fed Reg – 07/21/2005

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

Type Application

INV J.P. Morgan International Finance Limited, Newark, Delaware, 

and Edge Act subsidiary of JPMorgan Chase Bank, National 

Association, Columbus, Ohio, to make an investment in a newly 

formed special purpose vehicle.
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, July 2, 2005

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 Notification by Putnam, LLC, Boston, MA to purchase up to 

15% of the outstanding stock of Commerce Bancorp, Inc., 

Cherry Hill, NJ, pursuant to Section 225.41 of Regulation Y.

Newspaper – 07/20/2005

Fed Reg – 07/21/2005

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, July 2, 2005

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, July 2, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First Sentinel Bank, Richlands, Virginia, to establish a branch at 

the corner of Route 654, Pittston Road and Townview Drive, 

Lebanon, Virginia.*

Newspaper – 07/14/2005

Branch Old Line Bank, Waldorf, Maryland to establish a branch and 

relocate its main office to a new building under construction in 

the 1400 block of Crain Highway, north of its intersection with 

Pointer Ridge Drive, Bowie, Maryland.*

Newspaper – 07/15/2005

*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

809324 The Annapolis Banking and Trust 

Company

5 Church Circle

Annapolis, Maryland 21401

04/11/2005 06/26/2005 S X

292524 Four Oaks Bank & Trust Company

6114 U.S. Highway 301

Four Oaks, North Carolina 27524

04/04/2005 06/26/2005 S X

1010930 United Bank, Inc.

514 Market Street

Parkersburg, West Virginia 26101

10/18/2004 07/01/2005 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, July 2, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

located at 4720 Salisbury Road, Jacksonville, Florida.*

Newspaper – 07/12/2005

Branch Marco Community Bank, Marco Island, Florida, to establish a 

mobile branch to operate from its main office throughout Collier 

County, Florida.*

Newspaper – 07/07/2005

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

located at 5050 Northgate Road, Rogers, Arkansas.*

Newspaper – 07/09/2005

*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) Civic Bancorp, Nashville, Tennessee, to become a bank holding 

company by acquiring 100 percent of the outstanding shares of

Civic Bank & Trust, Nashville, Tennessee (in organization).*

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(3) CNLBancshares, Inc., Orlando, Florida, to acquire 100 percent 

of the outstanding shares of CNLBank, First Coast, Jacksonville, 

Florida (in organization).*

Newspaper – 07/18/2005

Fed Reg – 07/25/2005

3(a)(3) First Security Group, Inc., Chattanooga, Tennessee, to acquire 

Jackson Bank & Trust , Gainesboro, Tennessee.*

Newspaper – 07/17/2005

Fed Reg – 07/18/2005

3(a)(1) Mountain Valley Bancshares, Inc., Cleveland, Georgia, to 

become a bank holding company by acquiring 100 percent of the 

outstanding shares of Mountain Valley Community Bank, 

Cleveland, Georgia.*

Newspaper – 06/18/2005

Fed Reg – 06/30/2005

3(a)(1) Heritage First Bancshares, Inc., Rome, Georgia, to become a 

bank holding company by acquiring 100 percent of the 

outstanding shares of DeKalb Bank, Crossville, Alabama.*

Newspaper – 07/30/2005

Fed Reg – 07/25/2005

4(c)(8) Heritage First Bancshares, Inc., Rome, Georgia, to acquire 100 

percent of the outstanding shares of Heritage First Bank, a 

federal savings association, Rome, Georgia, and thereby engage 

in operating a savings association.*

Newspaper – 07/30/2005

Fed Reg – 07/25/2005
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(1) Sapelo Bancshares, Inc., Darien, Georgia, to acquire 100 percent 

of the outstanding shares of Sapelo National Bank, Darien, 

Georgia.*

Newspaper – 07/07/2005

Fed Reg – 07/08/2005

*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

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, July 2, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch American Trust and Savings Bank, Dubuque, Iowa, to establish 

a branch facility to be located at 1601 60th Street, Suite 102, 

West Des Moines, Iowa.*

Newspaper – 07/01/2005

Branch Rockford Bank and Trust Company, Rockford, Illinois, to 

establish a branch facility to be located at 4571 Guilford Road, 

Rockford, Illinois.*

Newspaper – 07/05/2005

* 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) Albany Bancshares, Inc., Albany, Illinois, to acquire 100 percent 

of the voting shares of Hillsdale Development Corporation, 

Hillsdale, Illinois, and thereby indirectly acquire Old Farmers & 

Merchants State Bank, Hillsdale, Illinois.*

Fed Reg – 06/30/2005

Newspaper – 06/25/2005

3(a)(5) Associated Banc-Corp, Green Bay, Wisconsin, to merge with 

State Financial Services Corporation, Milwaukee, Wisconsin, 

and thereby indirectly acquire State Financial Bank, N.A., Hales 

Corners, Wisconsin.*

Fed Reg – 07/30/2005

Newspaper – 06/20/2005

3(a)(1) AztecAmerica Financial Group, Inc., Berwyn, Illinois, to 

become a bank holding company by acquiring 100 percent of the 

voting shares of AztecAmerica Bank (in organization), Berwyn, 

Illinois.*

Fed Reg – 07/21/2005

Newspaper – 07/11/2005

CIC Notice by Marjorie E. Binder, Chicago, Illinois, to acquire 

control of 97.31 percent of the outstanding common stock and 

97.95 percent of the outstanding B common stock of Bellwood 

Bancorporation, Inc., Bellwood, Illinois, and thereby indirectly 

acquire Greater Chicago Bank, Bellwood, Illinois.

Fed Reg – 06/24/2005

Newspaper – 06/30/2005
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) Capitol Bancorp, Ltd., Lansing, Michigan, and Capitol 

Development Bancorp Limited I, Lansing, Michigan, to acquire 

51 percent of the voting shares of Bank of San Francisco (in 

organization), San Francisco, California.*

Fed Reg – 07/11/2005

Newspaper – N/Avail

3(a)(3) Clarkston Financial Corporation, Clarkston, Michigan, to 

acquire not less than 51 percent of the voting shares of Huron 

Valley State Bank (in organization), Milford, Michigan.*

Fed Reg – 07/18/2005

Newspaper – 07/17/2005

CIC Notice by Ralph Mason, Bourbon, Indiana and Brad Mason, 

Bourbon, Indiana, to acquire control of The First State Bank of 

Bourbon, Bourbon, Indiana.

Fed Reg – 06/29/2005

Newspaper – 06/16/2005

3(a)(5) Firstbank Corporation, Alma, Michigan, to acquire 100 percent 

of the voting shares of Keystone Financial Corporation, 

Kalamazoo, Michigan, and thereby indirectly acquire Keystone 

Community Bank, Kalamazoo, Michigan.*

Fed Reg – 07/25/2005

Newspaper – N/Avail

3(a)(1) Generations Bancorp, Inc., Waukesha, Wisconsin, to become a 

bank holding company by acquiring 100 percent of the voting 

shares of Foundations Bank (in organization), Waukesha, 

Wisconsin.*

Fed Reg – 07/22/2005

Newspaper – N/Avail

3(a)(1) Lamplighter Financial, MHC, Wauwatosa, Wisconsin and 

Wauwatosa Holdings, Inc., Wauwatosa, Wisconsin, to become a 

bank holding company by acquiring 100 percent of the voting 

shares of Wauwatosa Savings Bank, Wauwatosa, Wisconsin.*

Fed Reg – 07/15/2005

Newspaper – N/Avail

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

Oswego, Illinois, to increase its ownership from 35.98 percent to 

51 percent of Oswego Bancshares, Inc., Oswego, Illinois, and 

thereby indirectly acquire Oswego Community Bank, Oswego, 

Illinois.*

Fed Reg – 07/01/2005

Newspaper – 06/26/2005

3(a)(1) Western Illinois Bancshares, Inc., Monmouth, Illinois, to 

become a bank holding company by acquiring 100 percent of the 

voting shares of Midwest Bank of Western Illinois, Monmouth, 

Illinois.*

Fed Reg – 07/08/2005

Newspaper – 07/15/2005

* 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

Membership State Bank of the Lakes, Antioch, Illinois, 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

123646 Salin Bank & Trust Company

8455 Keystone Crossing Drive

Suite 100

Indianapolis, Indiana 46240

(317) 532-2265

11/29/2004 06/22/2005 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, July 2, 2005

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

3A5 & 4C8 First Arkansas BancShares, Inc., Jacksonville, Arkansas, to 

merge with Lake Hamilton Enterprises, Inc., Little Rock,

Arkansas, and thereby indirectly acquire First Team Bank, 

Heber Springs, Arkansas. Also, First Arkansas BancShares, Inc., 

to engage in data processing activities. (Previously submitted 

during the week ending June 25, 2005.)*

Newspaper – 07/23/2005

Fed Reg – 07/25/2005

CIC Notice by Charles A. Hardcastle, Bowling Green, Kentucky, to 

gain control of Citizens First Corporation, Bowling Green, 

Kentucky.

Newspaper – 07/20/2005

Fed Reg – N/Avail

3A3, 18C, 

&Branch

First Banks, Inc., Hazelwood, Missouri, and its subsidiary bank 

holding company, The San Francisco Company, San Francisco, 

California, to acquire 100 percent of International Bank of 

California, Los Angeles, California. Also, First Bank, St. Louis, 

Missouri, to merge with International Bank of California, Los 

Angeles, California, and to retain the acquired facilities as 

branch offices.*

Newspaper – 07/27/2005

Fed Reg – 07/30/2005

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4C8 German American Bancorp, Jasper, Indiana, to continue to 

engage in reinsuring credit life and credit disability insurance 

through the retention of 100 percent ownership interest in 

German American Reinsurance Company, Ltd., Phoenix, 

Arizona.

Fed Reg – 07/21/2005
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

Investment German American Bancorp, Jasper, Indiana, to retain 100 

percent ownership interest in German American Reinsurance 

Company, Ltd., Turks and Caicos Islands, British West Indies, 

pursuant to Section 211.10(a)(5) of Regulation K.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, July 2, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First PREMIER Bank, Sioux Falls, South Dakota request for 

approval to establish a new branch location at 536 N. Sycamore 

Avenue, Suite A, Sioux Falls, South Dakota.*

Newspaper – 07/07/2005

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

CIC Notice by John M. Morrison Florida Intangible Trust #6, dated 

March 3, 2005, Julie Morrison Arne, trustee to gain control of 

Central Bancshares, Inc., Golden Valley, Minnesota and 

indirectly gain control of Central Bank, Stillwater, Minnesota.

Fed Reg – 07/14/2005

Newspaper – 07/16/2005

CIC Notice by Nancy A. Malitz, Detroit Michigan and Barbara G. 

Lee, Kalispell, Montana to gain control of Ravalli County 

Bankshares, Inc., Hamilton, Montana and thereby indirectly gain 

control of Ravalli County Bank, Hamilton, Montana and West 

One Bank, Kalispell, Montana

Fed Reg – 07/01/2005

Newspaper – 06/17/2005

CIC Notice by the John C. Elsenpeter 2004 Term Trust and Vicki J. 

Elsenpeter 2004 Term Trust, both of Walker, Minnesota, to 

retain control of Walker Ban Co., Walker, Minnesota and 

thereby indirectly retain control of First National Bank of 

Walker, Walker, Minnesota and Lakes State Bank, Pequot 

Lakes, Minnesota. 

Fed Reg – 06/22/2005

Newspaper – 06/22/2005

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, July 2, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Canadian State Bank, Yukon, Oklahoma, to establish a branch at 

5929 N. May Avenue, Oklahoma City, Oklahoma.

Newspaper – 07/11/2005

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

Type Application

Ending date of

comment period

3(a)(3) First Centralia Bancshares, Inc., Centralia, Kansas, to directly 

acquire up to 14.33 percent of the voting shares of Century 

Capital Financial, Inc., Kilgore, Texas, parent of Century Capital 

Financial-Delaware, Inc., Wilmington, Delaware, parent of City 

National Bank, Kilgore, Texas.

Newspaper – N/Avail

Fed Reg – 07/30/2005

3(a)(3) First Centralia Bancshares, Inc., Centralia, Kansas, to indirectly 

acquire up to 35.80 percent of the voting shares of Century 

Capital Financial, Inc., Kilgore, Texas, held through Morrill 

Bancshares, Inc., Merriam, Kansas.

Newspaper – N/Avail

Fed Reg – 07/30/2005

3(a)(3) First Centralia Bancshares, Inc., Centralia, Kansas, to indirectly 

acquire up to 14.33 percent of the voting shares of Century 

Capital Financial, Inc., Kilgore, Texas, held through the 80.34 

percent ownership of FBC Financial Inc., Kilgore, Texas, by 

Morrill Bancshares, Inc., Merriam, Kansas.

Newspaper – N/Avail

Fed Reg – 07/30/2005

3(a)(3) Morrill Bancshares, Inc., Merriam, Kansas, to directly acquire 

up to 35.80 percent of the voting shares of Century Capital 

Financial, Inc., Kilgore, Texas, parent of Century Capital 

Financial-Delaware, Inc., Wilmington, Delaware, parent of City 

National Bank, Kilgore, Texas.

Newspaper – N/Avail

Fed Reg – 07/30/2005

3(a)(3) Morrill Bancshares, Inc., Merriam, Kansas, to indirectly acquire 

up to 14.33 percent of the voting shares of Century Capital 

Financial, Inc., Kilgore, Texas, held through FBC Financial 

Corporation, Claremore, Oklahoma.

Newspaper – N/Avail

Fed Reg – 07/30/2005
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) Davis Bancorporation, Inc., Davis, Oklahoma, to directly 

acquire up to 17.90 percent of the voting shares of Century 

Capital Financial, Inc., Kilgore, Texas, parent of Century Capital 

Financial-Delaware, Inc., Wilmington, Delaware, parent of City 

National Bank, Kilgore, Texas.

Newspaper – N/Avail

Fed Reg – 07/30/2005

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

463650 Adams Bank & Trust Company

315 N. Spruce Street

Ogallala, Nebraska 69153-2517

03/21/2005 06/30/2005 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, July 2, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC Mr. Richard L. Kinsel, Jr., and Ms. Janice L. Kinsel, 

Friendswood, TX, acting in concert, to acquire an interest in 1st

Choice Bancorp, Inc., Houston, TX.

Fed Reg – 07/19/2005

Newspaper – 07/20/2005

CIC Randle W. Jones, and Melanie Hynds Jones, Van Alstyne, TX, 

to acquire an interest in Van Alstyne Financial Corporation, Van 

Alstyne, TX.

Fed Reg – 07/19/2005

Newspaper – 07/20/2005

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, July 2, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) & 4(c)(8) Beverly Hills Bancorp, Inc., WFC Inc., and Wilshire 

Acquisitions Corporation, all of Calabasas, California, to 

become bank holding companies by acquiring 100 percent of 

First Bank of Beverly Hills, Calabasas, California ; and Beverly 

Hills Bancorp, Inc., and WFC Inc., to engage in nonbanking 

activities through the acquisition of 100 percent of WCICC Inc., 

WFICC Inc., Wilshire Mortgage Funding IV, Wilshire Mortgage 

Funding V, and Wilshire Mortgage Funding VI, all of 

Calabasas, California.* 

Newspaper – 07/25/2005

Fed Reg – 07/30/2005

CIC Notice by Michael Joseph Goldfarb to retain his ownership in 

Foundation Bancorp, Inc., and thereby indirectly retain his 

ownership in Foundation Bank, both of Bellevue, Washington.*

Newspaper – 07/06/2005

Fed Reg – 07/19/2005

* 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) Discovery Bancorp, San Marcos, California, to acquire Celtic 

Capital Corporation, Santa Monica, California, and thereby 

engage in extending credit and servicing loans, pursuant to 

section 225.28(b)(1) of Regulation Y.

Fed Reg – 07/26/2005
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

808167 North Valley Bank

300 Park Marina Circle

Redding, California 96001

530-226-290

02/22/2005 06/30/2005 S X

33772 Placer Sierra Bank

649 Lincoln Way

Auburn, California 95603

530-823-7777

03/14/2005 06/30/2005 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None