Federal

Deposit

Insurance

Corporation

M erger

Decisions

2004
FEDERAL DEPOSIT INSURANCE CORPORATION 

MERGER DECISIONS 

ANNUAL REPORT TO CONGRESS 

Bank Merger Act Reporting Requirements 

(Thursday, January 1, 2004 through Friday, December 31, 2004) 

All of the following Merger applications have been approved by the FDIC during the year 2004. 

With regard to each of these applications, the FDIC considered and found favorably with respect to 

the statutory factors involved, including the financial and managerial resources; future prospects; 

convenience and needs of the community to be served, and the effectiveness of each depository 

institution involved in the merger in combating money laundering activities, including in overseas 

branches. 

Except as noted, reports regarding the competitive factors were requested from the Attorney 

General and other Federal banking agencies and the Summary Report by the Attorney General 

indicated that the transaction would not have a significant adverse effect on competition. 

In each case, the FDIC has determined (1) that the transaction would not result in a monopoly or 

further any combination or conspiracyto monopolize or to attempt to monopolize the business of 

banking in any part of the United States; and (2) that the transaction would not have the effect in 

any section of the country to substantially lessen competition or tend to create a monopoly or in 

any other manner restrain trade, unless the anticompetitive effects of the transaction were clearly 

outweighed in the public interest by the probable effect of transaction in meeting the convenience 

and needs of the community to be served. 

Note: Additional copies of this Report can be downloaded from the FDIC's Public Information 

Center's web site at www.fdic.gov/news/publications/public/index.html
Regular Mergers

Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

United Bank__ 

ATMORE, AL 

251,354 58 Premier Community Bank of Southwest 

Florida 

FORT MYERS, FL 

5,011 1 57075 06/17/2004 06/16/2004 20041143 

PeoplesTrust Bank 

HAMILTON, AL 

0 57569 Community Spirit Bank 

RED BAY, AL 

7,600 1 50 01/07/2004 11/21/2003 20032745 

Union State Bank__ 

PELL CITY, AL 

257,912 5602 Premier Community Bank of South 

Florida 

FORT LAUDERDALE, FL 

112,283 3 27193 07/19/2004 06/10/2004 20041427 

Bank of Cave City__ 

CAVE CITY, AR 

101,371 105 First Community Bank 

JONESBORO, AR 

13,189 1 33538 01/13/2004 12/19/2003 20032985 

Liberty Bank of Arkansas 

JONESBORO, AR 

679,789 3878 Peoples Bank 

PARAGOULD, AR 

82,002 3 33500 02/23/2004 02/09/2004 20033268 

Simmons First Bank of Jonesboro 

JONESBORO, AR 

189,892 16715 Cross County Bank 

WYNNE, AR 

5,792 1 13821 05/03/2004 04/29/2004 20040842 

Bank of the Ozarks 

LITTLE ROCK, AR 

1,381,010 110 Sun Bank 

SUNRAY, TX 

 0 1 17026 03/25/2004 03/12/2004 20040368 

Farmers Bank & Trust Company 

MAGNOLIA, AR 

410,265 1291 Heartland Community Bank 

CAMDEN, AR 

79,335 2 28761 06/29/2004 06/04/2004 20041286 

The Stockmen's Bank__ 

KINGMAN, AZ 

763,674 23182 First National Bank of Arizona 

SCOTTSDALE, AZ 

36,420 0 27508 04/13/2004 03/22/2004 20040548 

Arizona Bank & Trust__ 

MESA, AZ 

45,854 57620 Colonial Trust Company 

PHOENIX, AZ 

1 0 33837 08/13/2004 08/09/2004 20041955 

Central Valley Community Bank__ 

CLOVIS, CA 

356,374 23030 Bank of Madera County 

OAKHURST, CA 

62,947 2 35039 12/10/2004 09/21/2004 20042975 

Fullerton Community Bank, FSB 

FULLERTON, CA 

492,103 28449 Wescom Credit Union 

PASADENA, CA 

1 1 0 11/12/2004 11/02/2004 20042721 

First State Bank of California 

GRANADA HILLS, CA 

215,059 24841 Encino State Bank 

ENCINO, CA 

181,023 3 34476 08/31/2004 08/09/2004 20041973 

Center Bank__ 

LOS ANGELES, CA 

927,953 26610 Korea Exchange Bank 

CACHE, IL 

22,160 1 33667 03/08/2004 02/27/2004 20040210 

American River Bank__ 

SACRAMENTO, CA 

430,177 24655 Bank of Amador 

JACKSON, CA 

129,009 3 24799 10/21/2004 10/01/2004 20042464 

East-West Bank 

SAN MARINO, CA 

4,617,184 31628 Trust Bank 

MONTEREY PARK, CA 

234,946 4 32080 07/20/2004 07/09/2004 20041614 

First Southwest Bank 

ALAMOSA, CO 

21,300 57741 Vectra Bank Colorado, National 

Association 

FARMINGTON, NM 

101,904 6 2993 05/21/2004 02/27/2004 20033066 

Salisbury Bank and Trust Company 

LAKEVILLE, CT 

310,511 18467 The Canaan National Bank 

CANAAN, CT 

107,034 2 2489 02/27/2004 02/13/2004 20040149 

The New Haven Savings Bank__ 

NEW HAVEN, CT 

2,452,904 18261 The Savings Bank of Manchester 

MANCHESTER, CT 

2,627,072 27 17942 02/26/2004 10/24/2003 20032495 

 Tolland Bank 

VERNON ROCKVILLE, CT 

429,070 8 18205 

Regular Mergers (Page 1 of 8, of 153 records) 

Data Date(s) 01/01/2004 to 12/31/2004 
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

Fairfield County Bank Corp.__ 

RIDGEFIELD, CT 

648,897 18213 Bank of Westport 

WESTPORT, CT 

71,856 2 34859 05/06/2004 04/21/2004 20040811 

Webster Bank, National Association 

WATERBURY, CT 

15,982,813 18821 Phoenix National Trust Company 

HARTFORD, CT 

9,120 2 0 03/12/2004 02/13/2004 20040182 

WashingtonFirst Bank 

WASHINGTON, DC 

20,198 57696 Greater Atlantic Bank 

RESTON, VA 

17,282 1 32583 11/01/2004 08/31/2004 20042904 

1st National Bank & Trust__ 

BRADENTON, FL 

242,208 26744 The Trust Company of Florida 

ENGLEWOOD, FL 

1,539 0 0 01/13/2004 12/11/2003 20033006 

CenterState Bank Mid Florida__ 

LEESBURG, FL 

0 57334 Community National Bank of Pasco 

County 

ZEPHYRHILLS, FL 

27,305 2 32699 01/27/2004 12/11/2003 20032784 

Colony Bank Ashburn__ 

ASHBURN, GA 

273,516 8023 FLAG Bank 

ATLANTA, GA 

37,500 1 186 02/25/2004 02/09/2004 20040073 

United Community Bank__ 

BLAIRSVILLE, GA 

3,443,486 16889 Eagle National Bank 

STOCKBRIDGE, GA 

64,113 2 34285 10/04/2004 09/13/2004 20042234 

United Community Bank 

BLAIRSVILLE, GA 

3,443,486 16889 Liberty National Bank 

CONYERS, GA 

178,808 3 34506 10/13/2004 10/01/2004 20042449 

Gainesville Bank & Trust__ 

GAINESVILLE, GA 

390,844 27158 Lumpkin County Bank 

DAHLONEGA, GA 

70,888 2 24160 04/12/2004 03/22/2004 20040707 

Crescent Bank and Trust Company 

JASPER, GA 

415,869 27559 Futurus Bank, National Association 

ALPHARETTA, GA 

66,282 1 35440 11/19/2004 11/02/2004 20042660 

Lincoln Savings Bank__ 

CEDAR FALLS, IA 

333,860 14207 TSB Bank 

MARSHALLTOWN, IA 

39,163 1 252 06/18/2004 04/29/2004 20040813 

Great Western Bank__ 

CLIVE, IA 

398,856 35516 Bank Midwest, National Association 

KANSAS CITY, MO 

132,131 6 32964 01/14/2004 01/08/2004 20033021 

Great Western Bank__ 

CLIVE, IA 

517,814 35516 Security State Bank 

RED OAK, IA 

62,296 2 16951 09/28/2004 09/13/2004 20042314 

Pilot Grove Savings Bank__ 

PILOT GROVE, IA 

204,417 9100 The Farmers National Bank of Winfield 

MT. PLEASANT, IA 

20,796 2 4522 06/08/2004 05/27/2004 20041208 

Premier Bank__ 

ROCK VALLEY, IA 

96,045 34384 State Bank of Hudson 

HUDSON, SD 

20,215 1 17148 08/17/2004 08/09/2004 20041890 

First State Bank__ 

SUMNER, IA 

55,756 11634 Farmers State Bank 

WATERLOO, IA 

14,855 1 12855 10/25/2004 10/01/2004 20042612 

Liberty Bank, F.S.B.__ 

WEST DES MOINES, IA 

481,504 20594 StateFed Financial Corporation 

CLIVE, IA 

14,012 0 0 01/27/2004 01/08/2004 20033177 

Mountain West Bank__ 

COEUR D ALENE, ID 

547,035 33844 AmericanWest 

SPOKANE, WA 

15,665 1 22441 05/19/2004 05/07/2004 20040979 

Panhandle State Bank__ 

SANDPOINT, ID 

462,853 23415 Magic Valley Bank 

TWIN FALLS, ID 

78,055 3 34555 10/07/2004 10/01/2004 20042477 

Magic Valley Bank 

TWIN FALLS, ID 

78,523 34555 Home Federal Savings and Loan 

Association 

NAMPA, ID 

1,900 1 28258 03/18/2004 03/08/2004 20040347 

Regular Mergers (Page 2 of 8, of 153 records) 

Data Date(s) 01/01/2004 to 12/31/2004 
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

Citizens Community Bank of Illinois, 

National Association 

BERWYN, IL 

185,793 16641 Cole Taylor Bank 

Chicago, IL 

20,000 1 22599 12/30/2004 12/29/2004 20043506 

Bridgeview Bank Group 

BRIDGEVIEW, IL 

1,021,001 21122 First East Side Savings Bank 

CHICAGO, IL 

8,500 1 28144 05/27/2004 04/29/2004 20040900 

Casey State Bank__ 

CASEY, IL 

119,539 3614 Illinois Community Bank 

EFFINGHAM, IL 

7,141 1 31068 06/08/2004 05/27/2004 20041194 

First Collinsville Bank__ 

COLLINSVILLE, IL 

432,207 33005 The Bank 

SPRINGFIELD, MO 

261,507 5 34538 07/01/2004 05/21/2004 20041155 

Community State Bank 

GALVA, IL 

46,492 23257 Sheridan State Bank 

SHERIDAN, IL 

9,958 1 16569 05/19/2004 04/29/2004 20040936 

Centrue Bank 

KANKAKEE, IL 

611,016 10881 Parish Bank and Trust Company 

MOMENCE, IL 

20,550 1 12680 02/03/2004 12/19/2003 20032986 

First State Bank of Western Illinois 

LA HARPE, IL 

131,597 9632 Union Bank/West 

MACOMB, IL 

13,194 1 12116 03/31/2004 02/25/2004 20040421 

First State Bank of Western Illinois 

LA HARPE, IL 

131,597 9632 Associated Bank, National Association 

GREEN BAY, WI 

7,401 1 5296 05/12/2004 04/29/2004 20040884 

Sidell State Bank__ 

SIDELL, IL 

16,370 15807 First National Bank in Homer 

HOMER, IL 

11,142 1 3680 11/08/2004 09/30/2004 20042482 

Edens Bank 

WILMETTE, IL 

174,240 20435 Howard Savings Bank 

GLENVIEW, IL 

42,455 1 30919 08/11/2004 07/26/2004 20041744 

Independence Bank__ 

NEW ALBANY, IN 

108,479 11338 First Financial Bank 

HARRODSBURG, KY 

127,174 3 31283 06/01/2004 04/08/2004 20040663 

Community State Bank__ 

ROYAL CENTER, IN 

53,476 1839 Indiana Lawrence Bank 

NORTH MANCHESTER, IN 

4,821 1 13118 07/01/2004 06/10/2004 20041368 

Guaranty State Bank and Trust 

Company__ 

BELOIT, KS 

92,411 10907 Heartland Bank 

LEAWOOD, KS 

8,344 1 1361 04/27/2004 04/21/2004 20040683 

The State Bank of Bern__ 

BERN, KS 

26,155 10919 The State Bank of Axtell, Kansas 

AXTELL, KS 

20,470 1 17477 01/13/2004 12/19/2003 20033110 

The Beverly State Bank__ 

BEVERLY, KS 

14,974 10506 1st Financial Bank 

OVERLAND PARK, KS 

16,146 2 1149 01/06/2004 12/11/2003 20032796 

The Central Bank USA, Inc. 

GREENSBURG, KY 

180,875 9314 United Community Bank 

GLASGOW, KY 

36,111 4 285 06/04/2004 05/21/2004 20041129 

First Citizens Bank 

SHEPHERDSVILLE, KY 

156,830 19304 Bank One, National Association 

CHICAGO, IL 

 0 0 3618 09/22/2004 09/13/2004 20042221 

Sabine State Bank and Trust Company__ 

MANY, LA 

353,884 8141 Hancock Bank of Louisiana 

BATON ROUGE, LA 

46,169 4 33029 02/06/2004 01/30/2004 20033248 

Eastern Bank__ 

BOSTON, MA 

4,567,406 32773 Westport National Bank 

WESTPORT, CT 

34,218 1 34876 02/10/2004 02/09/2004 20033093 

Benjamin Franklin Savings Bank 

FRANKLIN, MA 

517,091 90200 Chart Bank, A Cooperative Bank 

WALTHAM, MA 

256,791 3 26943 12/30/2004 12/17/2004 20043158 

Regular Mergers (Page 3 of 8, of 153 records) 

Data Date(s) 01/01/2004 to 12/31/2004 
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

Greenfield Savings Bank 

GREENFIELD, MA 

457,040 90206 The Bank of Western Massachusetts 

SPRINGFIELD, MA 

250 1 26942 06/02/2004 04/08/2004 20040745 

The Cape Cod Five Cents Savings Bank 

HARWICH PORT, MA 

1,306,285 23287 Rockland Trust Company 

ROCKLAND, MA 

800 1 9712 10/07/2004 09/21/2004 20042414 

Compass Bank for Savings__ 

NEW BEDFORD, MA 

3,972,353 23291 Abington Savings Bank 

ABINGTON, MA 

827,520 17 22051 02/23/2004 02/13/2004 20040146 

Berkshire Bank 

PITTSFIELD, MA 

1,294,620 23621 The National Bank of Vernon 

VERNON, NY 

66,650 1 7334 10/04/2004 08/31/2004 20042119 

Rockland Trust Company 

ROCKLAND, MA 

2,434,544 9712 Falmouth Co-operative Bank 

FALMOUTH, MA 

158,451 4 26481 04/29/2004 03/22/2004 20040515 

Hampden Interim Stock Savings Bank 

SPRINGFIELD, MA 

0 Hampden Savings Bank 

SPRINGFIELD, MA 

409,032 5 90283 03/12/2004 01/08/2004 20033247 

South Shore Savings Bank 

WEYMOUTH, MA 

725,265 90303 Horizon Bank and Trust Company 

BRAINTREE, MA 

126,958 1 34674 02/03/2004 10/24/2003 20032454 

UnitedKingfield Bank 

BANGOR, ME 

390,044 22226 Border Trust Company 

SOUTH CHINA, ME 

9,838 1 20012 03/09/2004 01/16/2004 20033219 

Androscoggin Savings Bank 

LEWISTON, ME 

482,531 17751 Skowhegan Savings Bank 

SKOWHEGAN, ME 

2,560 1 19532 11/29/2004 11/22/2004 20042887 

Border Trust Company 

SOUTH CHINA, ME 

72,933 20012 UnitedKingfield Bank 

BANGOR, ME 

4,006 1 22226 03/09/2004 01/16/2004 20033206 

Independent Bank 

BAY CITY, MI 

1,171,063 27811 First National Bank of Gaylord 

GAYLORD, MI 

172,385 3 22057 06/14/2004 05/07/2004 20041045 

Independent Bank East Michigan__ 

CARO, MI 

354,204 12732 Midwest Guaranty Bank 

TROY, MI 

235,048 6 27425 05/07/2004 04/12/2004 20040796 

Community Bank of Dearborn 

DEARBORN, MI 

475,452 33883 Bank of Washtenaw 

SALINE, MI 

72,902 3 57070 09/30/2004 09/13/2004 20042286 

State Bank of Escanaba__ 

ESCANABA, MI 

111,140 1090 North Country Bank and Trust 

MANISTIQUE, MI 

837 2 14816 07/07/2004 06/18/2004 20041467 

Republic Bank__ 

LANSING, MI 

5,533,737 20001 Chemical Bank and Trust Company 

MIDLAND, MI 

151 1 1003 08/16/2004 08/02/2004 20041839 

Peoples State Bank of Munising__ 

MUNISING, MI 

100,905 15165 North Country Bank and Trust 

MANISTIQUE, MI 

351 1 14816 07/14/2004 07/02/2004 20041451 

Northview Bank__ 

FINLAYSON, MN 

110,645 10956 American National Bank of Minnesota 

BAXTER, MN 

4,112 1 26499 07/06/2004 06/18/2004 20041450 

Exchange State Bank of Hills__ 

HILLS, MN 

37,054 8212 Ellsworth State Bank 

ELLSWORTH, MN 

33,107 1 10199 03/23/2004 02/27/2004 20040282 

Home State Bank__ 

LITCHFIELD, MN 

83,223 9745 BREMER BANK, NATIONAL 

ASSOCIATION 

WILLMAR, MN 

3,723 1 12198 07/19/2004 07/02/2004 20041579 

Minnwest Bank Luverne__ 

LUVERNE, MN 

110,198 8224 First National Bank of Luverne 

LUVERNE, MN 

20,905 3 4015 01/15/2004 01/12/2004 20033023 

Regular Mergers (Page 4 of 8, of 153 records) 

Data Date(s) 01/01/2004 to 12/31/2004 
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

American Bank of the North__ 

NASHWAUK, MN 

400,251 5216 Associated Bank Minnesota, National 

Association 

MINNEAPOLIS, MN 

14,569 1 18704 09/07/2004 08/19/2004 20042027 

United Prairie Bank - Owatonna 

OWATONNA, MN 

100,314 1926 Sterling State Bank, Austin, Minnesota 

AUSTIN, MN 

267,552 9 17863 11/16/2004 10/25/2004 20042708 

United Prairie Bank - Owatonna__ 

OWATONNA, MN 

87,853 1926 Minnwest Bank South (Waseca Branch 

Office only) 

TRACY, MN 

10,639 1 1410 02/06/2004 01/30/2004 20033285 

First State Bank and Trust Company, 

Inc.__ 

CARUTHERSVILLE, MO 

195,215 14185 Great Western Bank 

OMAHA, NE 

50,368 1 8327 11/22/2004 10/01/2004 20042490 

Bank of Kirksville__ 

KIRKSVILLE, MO 

330,277 1635 MCM Savings Bank, F.S.B. 

HANNIBAL, MO 

8,112 1 30595 11/18/2004 09/21/2004 20042219 

Bank Star__ 

PACIFIC, MO 

52,186 21897 Heartland Bank 

SAINT LOUIS, MO 

22,746 1 28694 01/13/2004 12/19/2003 20033002 

Citizens Bank & Trust__ 

ROCK PORT, MO 

41,753 14293 Bank Midwest, National Association 

KANSAS CITY, MO 

9,689 1 32964 01/22/2004 01/16/2004 20033149 

Town & Country Bank 

SALEM, MO 

263,893 13071 Union Bank 

KANSAS CITY, MO 

78,435 3 19582 02/17/2004 02/09/2004 20040070 

Signature Bank__ 

SPRINGFIELD, MO 

328,042 34505 First Collinsville Bank 

COLLINSVILLE, IL 

261,507 4 33005 07/01/2004 05/25/2004 20041113 

Bank Star of the BootHeel 

STEELE, MO 

53,840 10629 Montgomery First National Bank 

SIKESTON, MO 

14,170 1 8255 03/12/2004 02/27/2004 20040281 

Delta Southern Bank__ 

RULEVILLE, MS 

52,087 328 State Bank & Trust Company 

GREENWOOD, MS 

79,844 5 8878 06/04/2004 05/21/2004 20041073 

BancorpSouth Bank__ 

TUPELO, MS 

10,668,149 11813 Premier Bank of Brentwood 

BRENTWOOD, TN 

150,802 1 34541 12/03/2004 12/01/2004 20042960 

BancorpSouth Bank__ 

TUPELO, MS 

10,668,149 11813 The Business Bank 

BATON ROUGE, LA 

163,713 1 34886 12/07/2004 12/01/2004 20042961 

Flathead Bank of Bigfork, Montana__ 

BIGFORK, MT 

152,592 20382 First Interstate Bank 

BILLINGS, MT 

38,000 1 1105 05/11/2004 04/29/2004 20040879 

Southern Bank and Trust Company__ 

MOUNT OLIVE, NC 

988,064 15359 Capital Bank 

RALEIGH, NC 

28,500 2 34452 04/26/2004 04/21/2004 20040644 

First-Citizens Bank & Trust Company__ 

RALEIGH, NC 

11,283,653 11063 Capital Bank 

RALEIGH, NC 

13,280 0 34452 04/29/2004 04/21/2004 20040662 

First-Citizens Bank & Trust Company 

RALEIGH, NC 

11,413,431 11063 Greater Atlantic Bank 

RESTON, VA 

19,445 1 32583 09/24/2004 09/21/2004 20042216 

First South Bank__ 

WASHINGTON, NC 

654,825 31084 National Bank of Commerce 

MEMPHIS, TN 

16,514 2 4978 01/07/2004 12/19/2003 20033048 

VISIONBank__ 

FARGO, ND 

0 57892 Security State Bank of North Dakota 

HANNAFORD, ND 

276,164 1 8941 11/02/2004 10/01/2004 20042629 

First Bank & Trust Company__ 

COZAD, NE 

99,484 5394 Farmers State Bank 

EUSTIS, NE 

29,350 0 8597 10/06/2004 09/21/2004 20042360 

Regular Mergers (Page 5 of 8, of 153 records) 

Data Date(s) 01/01/2004 to 12/31/2004 
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

Great Western Bank__ 

OMAHA, NE 

898,445 8327 Oakland State Bank 

OAKLAND, IA 

28,478 1 25604 10/13/2004 09/21/2004 20042313 

Great Western Bank__ 

OMAHA, NE 

898,445 8327 Farmers Bank of Portageville 

PORTAGEVILLE, MO 

50,368 1 1642 11/22/2004 10/01/2004 20042523 

Security National Bank of Omaha__ 

OMAHA, NE 

420,961 19213 Kirkpatrick Pettis Trust Company 

OMAHA, NE 

564 0 0 05/25/2004 05/21/2004 20041139 

City State Bank__ 

SUTTON, NE 

38,789 14479 Bruning State Bank 

BRUNING, NE 

26,958 1 18748 03/12/2004 03/08/2004 20040299 

The Provident Bank 

JERSEY CITY, NJ 

4,109,354 12010 First Savings Bank 

WOODBRIDGE, NJ 

2,180,494 22 30255 06/07/2004 03/12/2004 20040440 

First Morris Bank and Trust__ 

MORRISTOWN, NJ 

477,668 19975 Gibraltar Savings Bank, FSB 

MENDHAM, NJ 

17,969 1 30126 04/29/2004 04/21/2004 20040844 

Nevada Security Bank__ 

RENO, NV 

237,561 57110 CNA Trust Corporation 

COSTA MESA, CA 

100 1 22906 11/02/2004 10/01/2004 20042393 

Independence Community Bank 

BROOKLYN, NY 

9,504,001 16018 SI Bank & Trust 

STATEN ISLAND, NY 

7,445,108 35 15986 03/22/2004 02/27/2004 20040212 

Cattaraugus County Bank 

LITTLE VALLEY, NY 

120,008 12959 HSBC Bank USA, National Association 

NEW CASTLE, DE 

102 2 57890 10/28/2004 09/03/2004 20042395 

North Fork Bank 

MATTITUCK, NY 

20,362,883 15985 The Trust Company of New Jersey 

JERSEY CITY, NJ 

4,284,264 74 12525 03/04/2004 02/27/2004 20040208 

The Bank of New York 

NEW YORK, NY 

89,263,000 639 J.P. Morgan Trust Company of New York 

NEW YORK, NY 

385,000 0 0 03/08/2004 03/08/2004 20040291 

Advantage Bank__ 

CAMBRIDGE, OH 

1,042,807 27642 The Citizens Bank of London 

LONDON, OH 

54,068 1 29864 07/07/2004 07/02/2004 20041536 

Oak Hill Banks__ 

JACKSON, OH 

970,296 10666 The Ripley National Bank 

RIPLEY, OH 

56,154 3 6683 09/23/2004 09/22/2004 20042291 

The Marion Bank 

MARION, OH 

119,909 27328 First Citizens Bank 

NEW WASHINGTON, OH 

19,200 2 2072 12/30/2004 11/30/2004 20043159 

Bramble Federal Savings and Loan 

Association of Cincinnati__ 

MILFORD, OH 

30,335 27808 First Savings Bank 

NORWOOD, OH 

24,740 3 27736 03/02/2004 02/09/2004 20040072 

Siuslaw Bank 

FLORENCE, OR 

255,156 19006 Citizens Bank 

CORVALLIS, OR 

2,156 1 17809 09/02/2004 08/31/2004 20042021 

Umpqua Bank__ 

ROSEBURG, OR 

2,946,375 17266 Humboldt Bank 

EUREKA, CA 

1,035,279 27 27582 06/01/2004 05/21/2004 20041065 

First Columbia Bank & Trust Co. 

BLOOMSBURG, PA 

227,743 686 First Susquehanna Bank & Trust 

SUNBURY, PA 

20,890 2 7770 09/08/2004 08/04/2004 20042103 

First Financial Bank__ 

DOWNINGTOWN, PA 

603,590 30929 PNC Bank, National Association 

PITTSBURGH, PA 

29,073 1 6384 03/16/2004 03/12/2004 20040409 

First Financial Bank 

DOWNINGTOWN, PA 

627,313 30929 Firstrust Savings Bank 

CONSHOHOCKEN, PA 

7,179 0 26647 08/05/2004 08/02/2004 20041753 

Regular Mergers (Page 6 of 8, of 153 records) 

Data Date(s) 01/01/2004 to 12/31/2004 
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

First Financial Bank 

DOWNINGTOWN, PA 

641,229 30929 PNC Bank, National Association 

PITTSBURGH, PA 

12,867 1 6384 11/17/2004 10/25/2004 20042716 

ESB Bank 

ELLWOOD CITY, PA 

1,344,384 27708 Peoples Home Savings Bank 

BEAVER FALLS, PA 

331,091 7 27707 11/10/2004 10/25/2004 20042707 

First Commonwealth Bank 

INDIANA, PA 

5,106,174 7468 Great American Federal 

PITTSBURGH, PA 

878,809 12 27670 03/17/2004 02/27/2004 20040310 

Mid Penn Bank__ 

MILLERSBURG, PA 

369,222 9889 Vartan National Bank 

DAUPHIN, PA 

11,935 0 7461 05/27/2004 05/07/2004 20040874 

Parkvale Savings Bank 

MONROEVILLE, PA 

1,611,764 30237 Advance Financial Savings Bank, FSB 

WELLSBURG, WV 

321,135 7 29472 11/19/2004 10/25/2004 20042822 

Leesport Bank__ 

WYOMISSING, PA 

618,366 7748 The Madison Bank 

BLUE BELL, PA 

215,260 10 27568 09/15/2004 08/31/2004 20042116 

Eurobank 

HATO REY, PR 

1,319,550 27150 The Bank and Trust of Puerto Rico 

HATO REY, PR 

545,207 2 26592 04/15/2004 03/29/2004 20040596 

Carolina First Bank__ 

GREENVILLE, SC 

8,520,401 26849 First Charter Bank 

CONCORD, NC 

3,314 0 4886 06/23/2004 05/27/2004 20041097 

Farmers and Merchants Bank of South 

Carolina__ 

HOLLY HILL, SC 

170,209 1660 South Carolina Bank and Trust, National 

Association 

ORANGEBURG, SC 

13,060 1 13425 02/10/2004 02/09/2004 20040017 

TriStar Bank 

DICKSON, TN 

68,425 35417 National Bank of Commerce 

MEMPHIS, TN 

13,500 1 4978 04/09/2004 03/29/2004 20040530 

The Farmers & Merchants Bank 

DYER, TN 

53,788 1480 Bank of Dyer 

DYER, TN 

28,056 3 2372 11/09/2004 08/31/2004 20042243 

Greene County Bank__ 

GREENEVILLE, TN 

1,123,566 895 National Bank of Commerce 

MEMPHIS, TN 

32,687 3 4978 11/08/2004 11/02/2004 20042720 

Farmer's and Merchants Bank__ 

TREZEVANT, TN 

81,051 8439 Bank of Dyer 

DYER, TN 

4,445 1 2372 04/02/2004 02/09/2004 20040084 

The Bank of Alice__ 

ALICE, TX 

137,211 11159 First Community Bank 

CORPUS CHRISTI, TX 

2,798 1 24353 02/12/2004 02/09/2004 20040002 

Franklin Bank, S.S.B.__ 

AUSTIN, TX 

1,533,783 26870 Lost Pines National Bank 

SMITHVILLE, TX 

40,514 2 23591 02/05/2004 01/30/2004 20033252 

Citizens State Bank__ 

BUFFALO, TX 

119,206 12501 The First State Bank 

HUNTSVILLE, TX 

20,847 2 1197 03/16/2004 03/12/2004 20040315 

Prosperity Bank__ 

EL CAMPO, TX 

2,443,994 16835 Liberty Bank, SSB 

AUSTIN, TX 

186,688 8 32466 06/24/2004 06/10/2004 20041328 

Prosperity Bank__ 

EL CAMPO, TX 

2,443,994 16835 Village Bank & Trust, S.S.B. 

LAKEWAY, TX 

110,385 1 35147 07/15/2004 07/02/2004 20041540 

First State Bank__ 

HAPPY, TX 

170,830 10359 Sun Bank 

SUNRAY, TX 

122,608 2 17026 03/17/2004 02/27/2004 20040252 

Franklin Bank, S.S.B.__ 

HOUSTON, TX 

3,068,818 26870 Cedar Creek Bank 

SEVEN POINTS, TX 

104,922 5 18853 10/28/2004 10/08/2004 20042665 

Regular Mergers (Page 7 of 8, of 153 records) 

Data Date(s) 01/01/2004 to 12/31/2004 
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

State Bank__ 

LA GRANGE, TX 

653,584 10346 Central Bank 

HOUSTON, TX 

79,561 2 17612 07/15/2004 07/15/2004 20041549 

Independent Bank__ 

MC KINNEY, TX 

265,143 3076 The First State Bank 

CELINA, TX 

90,909 5 10356 12/13/2004 12/07/2004 20043090 

First State Bank Central Texas__ 

TEMPLE, TX 

503,930 11151 Fidelity Bank of Texas 

WACO, TX 

2,579 1 21455 01/29/2004 01/08/2004 20033200 

American Bank of Commerce__ 

WOLFFORTH, TX 

421,796 18609 Haxtun Community Bank 

HAXTUN, CO 

 0 0 16124 03/05/2004 02/27/2004 20040223 

Towne Bank__ 

PORTSMOUTH, VA 

900,969 35095 Harbor Bank 

NEWPORT NEWS, VA 

271,944 9 34203 01/26/2004 01/08/2004 20033034 

Bank of the Pacific 

ABERDEEN, WA 

297,156 23041 Bank Northwest 

BELLINGHAM, WA 

97,892 5 34421 01/29/2004 01/19/2004 20033109 

Security State Bank 

CENTRALIA, WA 

263,932 13232 Harbor Community Bank 

RAYMOND, WA 

49,614 4 21672 12/02/2004 12/01/2004 20042846 

Cascade Bank__ 

EVERETT, WA 

884,221 28823 Issaquah Bank 

ISSAQUAH, WA 

127,607 2 33783 05/13/2004 04/29/2004 20040925 

Timberland Bank 

HOQUIAM, WA 

445,272 28453 Venture Bank 

LACEY, WA 

1,800 7 22868 09/24/2004 09/13/2004 20042080 

Community First Bank 

KENNEWICK, WA 

64,169 34627 Baker-Boyer National Bank 

WALLA WALLA, WA 

11,825 1 2987 10/26/2004 10/01/2004 20042565 

Community State Bank__ 

NORWALK, WI 

20,097 15130 State Bank of La Crosse 

LA CROSSE, WI 

6,528 1 10383 12/10/2004 12/01/2004 20042999 

River Valley State Bank__ 

ROTHSCHILD, WI 

387,379 19772 National City Bank of the Midwest 

BANNOCKBURN, IL 

198,733 7 5029 09/01/2004 08/31/2004 20042081 

Waumandee State Bank__ 

WAUMANDEE, WI 

39,922 10384 First State Bank 

FOUNTAIN CITY, WI 

21,321 1 9041 06/14/2004 06/10/2004 20041338 

Regular Mergers (Page 8 of 8, of 153 records) 

Data Date(s) 01/01/2004 to 12/31/2004 
Corporate Reorganization Mergers

Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

Bank Trust__ 

MOBILE, AL 

367,587 26607 The Commercial Bank of Demopolis 

DEMOPOLIS, AL 

83,951 2 2792 06/28/2004 06/04/2004 20041382 

Bank Trust__ 

MOBILE, AL 

522,206 26607 Sweet Water State Bank 

SWEET WATER, AL 

53,540 3 9615 10/22/2004 09/21/2004 20043095 

Bank Trust 

MOBILE, AL 

389,372 26607 The Monroe County Bank 

MONROEVILLE, AL 

126,877 2 9611 04/28/2004 03/29/2004 20040415 

Colonial Bank, National Association 

MONTGOMERY, AL 

16,455,612 9609 Premier Service Corporation 

CLEARWATER, FL 

2,328 0 0 07/28/2004 07/26/2004 20041504 

Community Bank__ 

CABOT, AR 

328,387 1749 First State Bank 

CONWAY, AR 

4,356 1 11241 02/11/2004 02/09/2004 20033259 

Twin City Bank 

NORTH LITTLE ROCK, AR 

381,509 33472 Community Bank 

CABOT, AR 

22,780 1 1749 02/13/2004 02/09/2004 20033262 

First Security Bank__ 

SEARCY, AR 

1,127,506 5633 Springdale Trust Company 

SPRINGDALE, AR 

 0 0 0 03/10/2004 02/27/2004 20040541 

Western Financial Bank__ 

IRVINE, CA 

5,045,592 31954 WFS Financial Inc. 

IRVINE, CA 

8,653,690 0 0 10/26/2004 06/04/2004 20041498 

Wilshire State Bank__ 

LOS ANGELES, CA 

983,259 23301 Northwest National Bank of Arlington 

ARLINGTON, TX 

2,000 1 25767 05/04/2004 03/08/2004 20040422 

Wilshire State Bank__ 

LOS ANGELES, CA 

1,202,525 23301 Orange Savings Bank of Texas, SSB 

MAURICEVILLE, TX 

5,500 1 26729 10/27/2004 10/01/2004 20042425 

Beach Business Bank 

MANHATTAN BEACH, CA 

16,942 57678 Doctors' Bancorp 

MANHATTAN BEACH, CA 

900 0 0 10/18/2004 09/21/2004 20042511 

Heritage Oaks Bank 

PASO ROBLES, CA 

346,553 24229 Hacienda Bank 

SANTA MARIA, CA 

93,425 3 27166 05/20/2004 04/21/2004 20040976 

Five Star Bank__ 

ROCKLIN, CA 

87,920 35361 Five Star Bank Natomas 

SACRAMENTO, CA 

57,390 1 57642 12/13/2004 10/12/2004 20042803 

Bank of the West__ 

SAN FRANCISCO, CA 

29,300,000 3514 Community First Bankshares, Inc. 

FARGO, ND 

500,000 0 0 10/18/2004 05/07/2004 20041181 

 Community First Financial, Inc. 

FARGO, ND 

11,000 0 0 

 Community First National Bank 

FARGO, ND 

5,500,000 156 3924 

 Community First Technologies, Inc. 

FARGO, ND 

24,000 0 0 

Bank of the West 

SAN FRANCISCO, CA 

29,600,000 3514 Union Safe Deposit Bank 

STOCKTON, CA 

1,100,000 19 8473 10/18/2004 08/09/2004 20041940 

 USDB Bancorp 

STOCKTON, CA 

100,000 0 0 

Wells Fargo Bank, National Association 

SAN FRANCISCO, CA 

224,376,000 3511 Wells Fargo Services Company 

MINNEAPOLIS, MN 

641,000 0 0 02/06/2004 01/08/2004 20033256 

Corporate Reorganization Mergers (Page 1 of 7, of 130 records) 

Data Date(s) 01/01/2004 to 12/31/2004 
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

First Trust Corporation 

DENVER, CO 

1,753,307 91322 Lincoln Trust Company 

ENGLEWOOD, CO 

384,729 1 91324 12/30/2004 11/29/2004 20043208 

WestStar Bank__ 

VAIL, CO 

604,136 22572 First Western Mortgage Services, Inc 

AVON, CO 

1 1 0 06/29/2004 05/26/2004 20042000 

Collinsville Savings Society__ 

CANTON, CT 

95,740 18223 Collinsville Stock Bank 

CANTON, CT 

 0 0 0 06/09/2004 03/12/2004 20041738 

Citizens Bank of Connecticut__ 

NEW LONDON, CT 

3,763,462 18197 Charter One Bank, National Association 

CLEVELAND, OH 

5,589 6 28932 10/13/2004 10/01/2004 20042436 

HSBC Bank USA N.A. 

NEW CASTLE, DE 

0 57890 HSBC Bank & Trust (Delaware), NA 

WILMINGTON, DE 

9,743 1 0 06/29/2004 04/09/2004 20040814 

Baltimore Trust Company__ 

SELBYVILLE, DE 

384,174 11652 Peninsula Bank 

PRINCESS ANNE, MD 

850,282 25 14874 06/22/2004 05/21/2004 20041380 

 Farmers & Merchants Bank - Eastern 

Shore 

ONLEY, VA 

253,776 6 10362 

The Citizens Bank of Frostproof__ 

FROSTPROOF, FL 

113,163 5673 American Bank and Trust 

LAKE WALES, FL 

116,697 5 21919 03/05/2004 02/27/2004 20040967 

Mellon United National Bank 

MIAMI, FL 

2,086,268 21837 APD Chimney Lakes, Inc. 

PLANTATION, FL 

 0 0 0 12/06/2004 11/16/2004 20051285 

Mercantile Bank__ 

ORLANDO, FL 

2,276,211 27515 Florida Bank, National Association 

TAMPA, FL 

939,322 15 27301 06/25/2004 05/07/2004 20040960 

Mercantile Bank__ 

ORLANDO, FL 

2,276,211 27515 CNB National Bank 

LAKE CITY, FL 

818,968 16 26631 06/15/2004 05/07/2004 20040961 

United Heritage Bank 

ORLANDO, FL 

183,688 57108 Community United Bank of Florida 

LAKE MARY, FL 

140,249 3 34994 03/08/2004 02/04/2004 20040135 

Cypress Bank__ 

PALM COAST, FL 

126,625 35108 Coquina Bank 

ORMOND BEACH, FL 

114,328 3 34675 06/24/2004 06/10/2004 20041473 

Public Bank 

SAINT CLOUD, FL 

189,720 23410 Peoples State Bank of Groveland 

GROVELAND, FL 

165,456 4 16845 04/29/2004 03/26/2004 20040661 

BankTrust of Florida__ 

WEWAHITCHKA, FL 

52,449 5668 Vision Bank, FSB 

PANAMA CITY, FL 

62,798 2 57434 08/27/2004 08/09/2004 20042573 

Bank of North Georgia__ 

ALPHARETTA, GA 

1,657,269 31203 Charter Bank and Trust Co. 

MARIETTA, GA 

282,156 3 27440 05/26/2004 04/21/2004 20040868 

 Mountain National Bank 

TUCKER, GA 

245,905 3 27317 

United Community Bank__ 

BLAIRSVILLE, GA 

3,107,151 16889 1st Community Bank 

FAIRBURN, GA 

191,660 5 161 04/30/2004 04/08/2004 20040762 

Gainesville Bank & Trust__ 

GAINESVILLE, GA 

390,844 27158 Southern Heritage Bank 

FLOWERY BRANCH, GA 

114,985 2 34593 04/13/2004 04/08/2004 20040741 

Southwest Georgia Bank 

MOULTRIE, GA 

239,843 2147 Sylvester Banking Company 

SYLVESTER, GA 

45,087 1 159 02/23/2004 01/22/2004 20040127 

Corporate Reorganization Mergers (Page 2 of 7, of 130 records) 

Data Date(s) 01/01/2004 to 12/31/2004 
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

First Capital Bank__ 

NORCROSS, GA 

503,437 32736 Chattahoochee National Bank 

ALPHARETTA, GA 

162,156 2 34718 11/02/2004 10/01/2004 20042518 

Thomasville National Bank 

THOMASVILLE, GA 

196,720 34068 TNB Financial Services, Inc. 

THOMASVILLE, GA 

43 0 0 01/12/2004 12/11/2003 20033027 

Central Pacific Bank 

HONOLULU, HI 

2,475,108 17308 City Bank 

HONOLULU, HI 

1,884,346 22 18035 12/16/2004 11/22/2004 20042992 

First Hawaiian Bank__ 

HONOLULU, HI 

9,693,675 17985 FHB Properties, Inc 

HONOLULU, HI 

17,676 0 0 01/20/2004 12/19/2003 20033135 

First Hawaiian Bank__ 

HONOLULU, HI 

9,693,542 17985 FH Center, Inc. 

HONOLULU, HI 

133 0 0 01/20/2004 12/19/2003 20033151 

Linn County State Bank 

COGGON, IA 

21,846 16311 North Linn Corporation 

FAIRFIELD, IA 

 0 0 0 12/23/2004 11/02/2004 20042955 

Freedom Security Bank__ 

CORALVILLE, IA 

82,859 10491 FSB Holding Co 

MUSCATINE, IA 

 0 0 0 04/19/2004 03/12/2004 20040611 

First State Bank 

NASHUA, IA 

3,000 57910 First State Bank (Nashua Iowa Branch 

Only) 

BRITT, IA 

17,556 1 8522 11/29/2004 10/01/2004 20042589 

BankIllinois__ 

CHAMPAIGN, IL 

741,944 10842 The First National Bank of Decatur 

DECATUR, IL 

433,858 6 3649 10/07/2004 09/02/2004 20042330 

Dunlap Bank__ 

DUNLAP, IL 

47,899 1808 Bartonville Bank 

BARTONVILLE, IL 

75,141 2 10475 07/21/2004 07/02/2004 20041668 

Central Bank Illinois 

GENESEO, IL 

171,163 11670 Central Bank Fulton 

FULTON, IL 

54,455 2 5736 12/16/2004 11/22/2004 20043041 

Philo Exchange Bank__ 

PHILO, IL 

35,674 5722 The State Bank of Allerton 

ALLERTON, IL 

19,244 2 12094 09/02/2004 08/02/2004 20042022 

Sheridan State Bank 

SHERIDAN, IL 

21,360 16569 The Whaples and Farmers State Bank 

NEPONSET, IL 

9,887 1 13661 06/07/2004 05/04/2004 20051184 

UnionBank__ 

STREATOR, IL 

778,253 3744 UnionFinancial Services & Trust 

Company 

STREATOR, IL 

7,423 0 0 07/16/2004 07/02/2004 20041648 

MainSource Bank__ 

GREENSBURG, IN 

813,189 5766 First Community Bank and Trust 

BARGERSVILLE, IN 

163,763 10 29596 08/02/2004 07/02/2004 20041655 

MainSource Bank 

GREENSBURG, IN 

827,781 5766 Regional Bank 

NEW ALBANY, IN 

250,829 6 29664 12/22/2004 12/07/2004 20043100 

Community State Bank__ 

COFFEYVILLE, KS 

43,840 19749 CSB Bancorp, Inc. 

COFFEYVILLE, KS 

4,259 1 0 12/06/2004 11/05/2004 20043003 

The Denison State Bank__ 

HOLTON, KS 

155,016 15305 Countryside Bank 

MERIDEN, KS 

33,436 2 13734 04/05/2004 03/08/2004 20040387 

The State Bank of Lebo__ 

LEBO, KS 

18,284 15288 Lebo Bancshares, Inc. 

LEBO, KS 

 0 1 0 03/16/2004 01/30/2004 20040241 

Landmark National Bank__ 

MANHATTAN, KS 

331,840 5826 First Kansas Financial Corporation 

OSAWATOMIE, KS 

148 0 0 02/17/2004 01/16/2004 20033242 

Corporate Reorganization Mergers (Page 3 of 7, of 130 records) 

Data Date(s) 01/01/2004 to 12/31/2004 
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

The Plainville State Bank__ 

PLAINVILLE, KS 

39,597 10925 The Farmers National Bank of Lincoln 

LINCOLN, KS 

20,057 1 4719 01/06/2004 11/17/2003 20032852 

The Plainville State Bank__ 

PLAINVILLE, KS 

39,597 10925 The Beverly State Bank 

BEVERLY, KS 

14,974 1 10506 01/06/2004 11/17/2003 20032866 

Emprise Bank__ 

WICHITA, KS 

522,573 4789 Emprise Bank National Association 

HAYS, KS 

91,812 3 4684 05/12/2004 04/21/2004 20040914 

Emprise Bank__ 

WICHITA, KS 

635,639 4789 Emprise Bank National Association 

HILLSBORO, KS 

95,512 4 4686 12/10/2004 11/16/2004 20043040 

 Emprise Bank - Iola 

IOLA, KS 

93,037 5 14463 

First Citizens Bank 

ELIZABETHTOWN, KY 

159,732 19304 Financial National Electronic Transfer, 

Inc. 

RADCLIFF, KY 

 0 0 0 12/15/2004 11/22/2004 20051179 

The Farmers Bank and Trust Company of 

Georgetown, Kentucky__ 

GEORGETOWN, KY 

205,442 10136 Citizens Bank 

GEORGETOWN, KY 

75,873 2 27240 09/21/2004 08/19/2004 20042127 

South Central Bank of Barren County, 

Inc.__ 

GLASGOW, KY 

236,865 5854 South Central Savings Bank, F.S.B. 

ELIZABETHTOWN, KY 

24,247 1 33977 09/21/2004 08/31/2004 20042266 

The Central Bank USA, Inc.__ 

GREENSBURG, KY 

184,216 9314 Pioneer Bank 

CANMER, KY 

66,489 3 16827 11/04/2004 10/01/2004 20042614 

 Green River Bank 

MORGANTOWN, KY 

49,455 2 8791 

Hancock Bank & Trust Company__ 

HAWESVILLE, KY 

108,472 8128 Breckinridge Bank 

CLOVERPORT, KY 

29,875 2 11357 07/30/2004 06/29/2004 20041889 

The First State Bank of Pineville__ 

PINEVILLE, KY 

207,200 2710 First State, FSB 

LEXINGTON, KY 

142,325 6 34839 05/28/2004 04/29/2004 20041096 

Citizens Bank of Massachusetts__ 

BOSTON, MA 

29,630,166 18562 Charter One Bank, National Association 

CLEVELAND, OH 

52,443 13 28932 10/13/2004 10/01/2004 20042434 

Canton Interim Stock Bank 

CANTON, MA 

0 The Canton Institution for Savings, The 

Bank of Canton 

CANTON, MA 

551,897 4 90175 03/04/2004 12/11/2003 20051126 

South Shore Savings Bank 

SOUTH WEYMOUTH, MA 

760,852 90303 South Shore DeNovo Savings Bank 

WEYMOUTH, MA 

 0 0 0 02/03/2004 10/24/2003 20051129 

Provident Bank of Maryland 

BALTIMORE, MD 

5,193,711 15951 Essex Savings Bank, F.S.B. 

NORFOLK, VA 

389,753 6 32377 03/23/2004 01/30/2004 20040217 

 Southern Financial Bank 

WARRENTON, VA 

1,092,431 27 32470 

The Chestertown Bank of Maryland 

CHESTERTOWN, MD 

219,271 5877 The Peoples Bank of Maryland 

DENTON, MD 

109,933 5 9693 06/17/2004 05/17/2004 20041297 

 St. Michaels Bank 

ST. MICHAELS, MD 

251,032 4 1575 

County Banking and Trust Company 

ELKTON, MD 

406,140 13779 The Forest Hill State Bank 

BEL AIR, MD 

384,918 7 809 06/14/2004 05/07/2004 20041250 

Corporate Reorganization Mergers (Page 4 of 7, of 130 records) 

Data Date(s) 01/01/2004 to 12/31/2004 
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

Potomac Valley Bank 

GAITHERSBURG, MD 

791,804 21415 Mercantile-Safe Deposit and Trust 

Company 

BALTIMORE, MD 

548 1 20347 04/21/2004 03/23/2004 20040695 

Calvert Bank and Trust Company 

PRINCE FREDERICK, MD 

267,917 18933 Bank of Southern Maryland 

LA PLATA, MD 

240,193 5 5863 06/17/2004 05/17/2004 20041319 

 The First National Bank of St. Mary's at 

Leonardtown 

LEONARDTOWN, MD 

422,107 6 4853 

Chemical Bank Shoreline 

BENTON HARBOR, MI 

1,163,303 11394 State Bank of Caledonia 

CALEDONIA, MI 

29,639 1 9329 05/20/2004 04/21/2004 20040941 

Chemical Bank West 

WALKER, MI 

720,451 26489 State Bank of Caledonia 

CALEDONIA, MI 

252,643 3 9329 05/20/2004 04/21/2004 20040942 

First State Bank of Finlayson__ 

FINLAYSON, MN 

85,459 10956 First State Bank of Floodwood 

FLOODWOOD, MN 

14,589 1 9742 01/13/2004 12/19/2003 20033097 

21st Century Bank__ 

HAM LAKE, MN 

198,057 9751 State Bank of Loretto 

LORETTO, MN 

104,598 1 8215 09/02/2004 08/09/2004 20041949 

Valley Bank & Trust__ 

NEW ULM, MN 

84,561 1399 Rural American BankMontgomery/Lonsdale 

LONSDALE, MN 

68,940 2 1921 10/18/2004 09/21/2004 20042469 

The Bank of Advance__ 

ADVANCE, MO 

142,672 9369 Bowen State Bank 

BOWEN, IL 

17,200 1 10443 12/14/2004 11/02/2004 20042982 

 The First National Bank of Lerna 

LERNA, IL 

8,774 1 3694 

First Midwest Bank of Piedmont__ 

PIEDMONT, MO 

59,596 1970 First Midwest Bank of Carter County 

VAN BUREN, MO 

35,154 1 11460 10/08/2004 08/31/2004 20042384 

The Peoples Bank and Trust Company__ 

TUPELO, MS 

1,416,512 12437 Heritage Bank 

DECATUR, AL 

543,993 8 34015 11/30/2004 10/01/2004 20042582 

Bank of America, National Association__ 

CHARLOTTE, NC 

690,572,545 3510 Bank of America Technology and 

Operations, Inc. 

CHARLOTTE, NC 

 0 0 0 06/09/2004 04/29/2004 20041036 

Wachovia Bank, National Association__ 

CHARLOTTE, NC 

380,236,000 33869 Congress Financial Corporation 

NEW YORK, NY 

2,033,000 0 0 12/15/2004 11/22/2004 20042892 

Branch Banking and Trust Company__ 

WINSTON SALEM, NC 

67,548,376 9846 Republic Bank 

SAINT PETERSBURG, FL 

2,829,495 73 21350 03/01/2004 02/13/2004 20040118 

First State Bank of North Dakota 

ARTHUR, ND 

75,498 8387 The First State Bank of La Moure 

LA MOURE, ND 

94,463 3 13368 11/15/2004 10/08/2004 20042740 

Washington County Bank__ 

BLAIR, NE 

174,877 12241 Burt County State Bank 

TEKAMAH, NE 

40,631 1 14592 06/04/2004 05/07/2004 20041164 

The American Bank__ 

BURR, NE 

11,774 1438 The First National Bank of Unadilla 

UNADILLA, NE 

40,330 2 5484 07/27/2004 07/02/2004 20041658 

American Interstate Bank__ 

ELKHORN, NE 

78,056 1439 American Interstate Bank 

MANNING, IA 

26,147 1 239 03/05/2004 01/30/2004 20040167 

Bank of Keystone__ 

KEYSTONE, NE 

27,931 9817 Commercial State Bank 

ELSIE, NE 

12,059 1 17171 12/10/2004 11/02/2004 20042969 

Corporate Reorganization Mergers (Page 5 of 7, of 130 records) 

Data Date(s) 01/01/2004 to 12/31/2004 
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

First State Bank__ 

SCOTTSBLUFF, NE 

181,550 15586 First State Bank, Colorado Springs 

COLORADO SPRINGS, CO 

14,410 1 90666 03/26/2004 02/27/2004 20040318 

North Fork Bank__ 

MATTITUCK, NY 

21,407,347 15985 GreenPoint Bank 

NEW YORK CITY, NY 

23,826,016 88 15960 07/08/2004 04/08/2004 20041878 

Provident Municipal Bank 

MONTEBELLO, NY 

95,004 57339 The Warwick Commercial Bank 

WARWICK, NY 

15,056 1 57202 07/26/2004 06/10/2004 20042100 

First Niagara Commercial Bank 

TROY, NY 

186,109 35591 Hudson River Commercial Bank 

COHOES, NY 

40,826 1 57474 09/16/2004 08/02/2004 20042108 

SBU Municipal Bank__ 

UTICA, NY 

101,090 614 SBU Bank 

UTICA, NY 

245,365 0 16045 05/03/2004 03/24/2004 20040724 

U.S. Bank National Association__ 

CINCINNATI, OH 

189,159,050 6548 First National Cincinnati Corporation 

CINCINNATI, OH 

53 2 0 05/06/2004 03/29/2004 20040787 

 The Leader Mortgage Company, LLC 

CLEVELAND, OH 

759 1 0 

The Farmers State Bank of New 

Washington, Ohio 

NEW WASHINGTON, OH 

142,848 2072 The First National Bank of Shelby 

SHELBY, OH 

201,039 8 6697 09/10/2004 08/03/2004 20041900 

First State Bank of Idabel 

IDABEL, OK 

52,316 15616 American State Bank 

BROKEN BOW, OK 

45,699 1 22569 12/16/2004 11/22/2004 20043064 

BancFirst__ 

OKLAHOMA CITY, OK 

2,791,756 27476 Lincoln National Bank 

OKLAHOMA CITY, OK 

105,286 3 26184 01/23/2004 12/23/2003 20033162 

First National Bank of Pennsylvania__ 

GREENVILLE, PA 

4,482,413 7888 Infitech, Inc. 

HERMITAGE, PA 

1,566 0 0 08/13/2004 07/20/2004 20041859 

Commercial Bank of Pennsylvania 

LATROBE, PA 

330,307 14333 Highview Trust Company 

GREENSBURG, PA 

1,000 0 0 12/01/2004 11/02/2004 20042853 

Farmers First Bank 

LITITZ, PA 

1,590,553 7579 First Susquehanna Bank & Trust 

SUNBURY, PA 

351,361 13 7770 12/29/2004 10/25/2004 20042958 

 WNB Bank 

WILLIAMSPORT, PA 

312,781 6 7813 

Citizens Bank of Pennsylvania__ 

PHILADELPHIA, PA 

28,374,750 57282 Charter One Bank, National Association 

CLEVELAND, OH 

2,157 3 28932 10/13/2004 10/01/2004 20042437 

PNC Bank, National Association 

PITTSBURGH, PA 

71,753,372 6384 PNC Investment Holdings, Inc. 

WILMINGTON, DE 

 0 0 0 12/02/2004 11/03/2004 20042925 

Northwest Savings Bank__ 

WARREN, PA 

5,407,582 28178 Leeds Federal Savings Bank 

BALTIMORE, MD 

465,697 2 28270 04/27/2004 03/23/2004 20040692 

Northwest Savings Bank__ 

WARREN, PA 

5,432,303 28178 First Carnegie Deposit 

CARNEGIE, PA 

99,318 3 27706 08/10/2004 07/09/2004 20041866 

First Citizens Bank and Trust Company, 

Inc.__ 

COLUMBIA, SC 

4,271,634 15504 Citizens Bank 

WARRENTON, GA 

49,696 2 17258 10/28/2004 10/01/2004 20042508 

First State Bank 

HENDERSON, TN 

144,824 6104 Friendship Bank 

FRIENDSHIP, TN 

82,544 3 2398 12/21/2004 10/25/2004 20042825 

Corporate Reorganization Mergers (Page 6 of 7, of 130 records) 

Data Date(s) 01/01/2004 to 12/31/2004 
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

Union Planters Bank, National 

Association 

MEMPHIS, TN 

31,312,297 4979 Union Planters Mortgage, Inc. 

HATTIESBURG, MS 

665,639 1 0 08/30/2004 08/02/2004 20041960 

First Bank of Tennessee 

SPRING CITY, TN 

139,538 10693 Peoples Bank of Polk County 

BENTON, TN 

22,245 1 21563 09/13/2004 08/11/2004 20042160 

Bank of Texas. National Association__ 

DALLAS, TX 

2,863,852 21674 Bank of Texas Trust Company, National 

Association 

DALLAS, TX 

11,056 0 33906 10/09/2004 09/08/2004 20042397 

First State Bank 

FRANKSTON, TX 

109,233 9968 First National Bank 

BULLARD, TX 

13,674 1 24422 10/17/2004 09/21/2004 20042503 

Community State Bank 

HOUSTON, TX 

51,896 1194 First Community Bank, National 

Association 

HOUSTON, TX 

5,107 1 34049 03/17/2004 02/09/2004 20040278 

International Bank of Commerce__ 

LAREDO, TX 

5,323,378 19629 Local Oklahoma Bank 

OKLAHOMA CITY, OK 

2,854,464 52 28542 04/21/2004 04/08/2004 20040635 

Orange Savings Bank, ssb 

ORANGE, TX 

200,779 30696 Orange Savings Bank of Texas, SSB 

MAURICEVILLE, TX 

41,673 3 26729 10/26/2004 09/20/2004 20042428 

Interstate Bank, ssb__ 

PERRYTON, TX 

73,519 31043 Ultimate Mortgage Corporation 

AMARILLO, TX 

68 1 0 01/27/2004 01/09/2004 20033033 

GE Capital Financial Inc. 

SALT LAKE CITY, UT 

1,619,490 33778 GE Capital Consumer Card Co. 

ALPHARETTA, GA 

 0 1 27314 11/23/2004 11/02/2004 20042919 

Capital State Bank, Inc. 

CHARLESTON, WV 

175,341 34102 Summit Community Bank 

MOOREFIELD, WV 

390,023 4 844 08/12/2004 07/06/2004 20041768 

Corporate Reorganization Mergers (Page 7 of 7, of 130 records) 

Data Date(s) 01/01/2004 to 12/31/2004 
Interim Mergers

Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

First Commerce Bank__ 

ENCINO, CA 

175,047 32193 Interim First Commerce, Inc. 

ENCINO, CA 

 0 0 03/17/2004 01/08/2004 20033090 

Wilshire State Bank 

LOS ANGELES, CA 

983,259 23301 Interim Wilshire Bancorp, Inc. 

LOS ANGELES, CA 

 0 0 04/15/2004 03/23/2004 20040499 

BBVA Valley Acquisition Corporation 

MORENO VALLEY, CA 

5,000 0 Valley Bank 

MORENO VALLEY, CA 

104,584 18255 09/22/2004 07/12/2004 20041858 

New YCB Bank 

REDDING, CA 

0 0 Yolo Community Bank 

WOODLAND, CA 

111,455 34741 08/05/2004 06/10/2004 20041452 

The Home State Bank__ 

LOVELAND, CO 

385,710 16902 Home State Interim Bank 

LOVELAND, CO 

1 0 06/07/2004 05/07/2004 20041132 

County Bank 

REHOBOTH BEACH, DE 

270,968 33009 First Option Merger Company - Interim 

REHOBOTH BEACH, DE 

 0 0 06/24/2004 03/10/2004 20040493 

The Bancorp Bank 

WILMINGTON, DE 

503,423 35444 TBI Acquisition Bank 

WILMINGTON, DE 

 0 0 10/08/2004 10/01/2004 20042413 

BNY Florida Interim Trust Company, 

National Association__ 

MIAMI, FL 

0 0 The Bank of New York Trust Company, 

National Association 

MIAMI, FL 

101,733,000 0 07/20/2004 05/24/2004 20041989 

CQA Interim Bank__ 

ORMOND BEACH, FL 

0 0 Coquina Bank 

ORMOND BEACH, FL 

114,328 34675 06/04/2004 05/27/2004 20041119 

Premier Bank 

TALLAHASSEE, FL 

208,775 33992 Premier Interim Company 

TALLAHASSEE, FL 

 0 0 08/11/2004 07/26/2004 20041892 

CCBG Interm Bank__ 

DUBLIN, GA 

0 0 Farmers & Merchants Bank 

DUBLIN, GA 

403,370 10059 08/13/2004 08/02/2004 20042574 

State Central Interim Bank__ 

KEOKUK, IA 

0 0 State Central Bank 

KEOKUK, IA 

176,740 5820 12/08/2004 11/16/2004 20043015 

Hoyne Savings Bank 

CHICAGO, IL 

335,312 28747 Interim Two Federal Savings Bank 

CHICAGO, IL 

 0 0 12/10/2004 10/01/2004 20042411 

Citizens State Bank of Cropsey__ 

CROPSEY, IL 

22,053 10430 CSBC Interim Bank 

CROPSEY, IL 

 0 0 05/06/2004 04/05/2004 20040803 

The Bank of Commerce 

DOWNERS GROVE, IL 

60,610 34292 Republic Bank of Downers Grove 

DOWNERS GROVE, IL 

 0 0 11/29/2004 11/02/2004 20042847 

First Trust Bank of Illinois__ 

KANKAKEE, IL 

115,997 34778 Republic Bank of Kankakee 

KANKAKEE, IL 

 0 0 04/16/2004 03/22/2004 20040565 

Bank of O'Fallon__ 

O FALLON, IL 

231,271 18171 Bank of O'Fallon Interim Bank 

O FALLON, IL 

 0 0 07/16/2004 06/15/2004 20041530 

Bank of Shorewood 

SHOREWOOD, IL 

58,967 22637 Republic Bank of Shorewood 

SHOREWOOD, IL 

 0 0 01/20/2004 01/16/2004 20033212 

I-Bank 

LOUISVILLE, KY 

0 0 Independence Bank 

NEW ALBANY, IN 

247,361 11338 06/01/2004 04/08/2004 20041174 

South Shore Interim Savings Bank 

SOUTH WEYMOUTH, MA 

0 0 Horizon Bank and Trust Company 

BRAINTREE, MA 

126,958 34674 02/03/2004 10/24/2003 20051128 

Interim Mergers (Page 1 of 3, of 43 records) 

Data Date(s) 01/01/2004 to 12/31/2004 
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

Alliance Interim Bank 

CAPE GIRARDEAU, MO 

300 0 Alliance Bank 

CAPE GIRARDEAU, MO 

90,561 34566 05/20/2004 04/19/2004 20041016 

Peoples Bank of Jamestown__ 

JAMESTOWN, MO 

28,593 15792 Jamestown Interim Bank 

JAMESTOWN, MO 

 0 0 11/19/2004 10/21/2004 20042867 

BNY Missouri Interim Trust Company, 

National Association__ 

SAINT LOUIS, MO 

0 0 BNY Trust Company of Missouri 

SAINT LOUIS, MO 

8,143,000 0 07/20/2004 05/24/2004 20041990 

Interim Community Bank__ 

PILOT MOUNTAIN, NC 

0 0 The Community Bank 

PILOT MOUNTAIN, NC 

248,314 26919 01/11/2004 12/19/2003 20033107 

CBC Bank 

ROCKY MOUNT, NC 

0 0 First Carolina State bank 

ROCKY MOUNT, NC 

59,179 35530 03/05/2004 02/13/2004 20051162 

Lincoln Park Savings and Loan 

Association 

LINCOLN PARK, NJ 

78,776 28963 Lincoln Park Interim Bank Two II 

LINCOLN PARK, NJ 

 0 0 10/27/2004 09/13/2004 20041729 

AmBank__ 

SILVER CITY, NM 

73,764 34302 AmBank Interim Bank 

SILVER CITY, NM 

1 0 07/12/2004 06/18/2004 20041436 

First American International Bank__ 

BROOKLYN, NY 

131,762 35186 First American Interim Bank 

BROOKLYN, NY 

1 0 06/14/2004 05/24/2004 20041604 

Rhinebeck Savings Bank__ 

RHINEBECK, NY 

349,644 16032 Rhineback Interim - Two Savings Bank 

RHINEBECK, NY 

 0 0 07/23/2004 04/01/2004 20040788 

The Custar State Bank__ 

CUSTAR, OH 

52,910 5973 Croghan Interim Bank 

FREMONT, OH 

 0 0 11/19/2004 11/05/2004 20042774 

New Bank of Astoria 

ASTORIA, OR 

0 0 Bank of Astoria 

ASTORIA, OR 

154,507 19877 09/02/2004 08/02/2004 20041923 

Abington Savings Bank 

JENKINTOWN, PA 

634,208 27942 Interim Two 

JENKINTOWN, PA 

 0 0 10/21/2004 07/09/2004 20041698 

First Savings Bank of Perkasie 

PERKASIE, PA 

856,064 30401 Perkasie Interim Merger Savings Bank 

(Interim Two) 

PERKASIE, PA 

 0 0 03/15/2004 07/18/2003 20031722 

Beneficial Mutual Savings Bank__ 

PHILADELPHIA, PA 

2,265,220 15697 Beneficial Interim Bank II 

PHILADELPHIA, PA 

 0 0 07/22/2004 05/07/2004 20040864 

Northwest National Bank of Arlington 

ARLINGTON, TX 

52,020 25767 New Northwest Bank 

FORT WORTH, TX 

5 0 06/08/2004 05/07/2004 20040903 

First State Bank of Brownsboro 

BROWNSBORO, TX 

52,280 11181 Brownsboro Facilitations, Inc. 

BROWNSBORO, TX 

 0 0 12/27/2004 12/07/2004 20043224 

Prosperity Interim Bank__ 

EL CAMPO, TX 

5 0 Village Bank & Trust, S.S.B. 

LAKEWAY, TX 

110,385 35147 07/15/2004 07/15/2004 20041919 

Royal Oaks Interim Bank, ssb__ 

HOUSTON, TX 

5 0 Royal Oaks Bank, ssb 

HOUSTON, TX 

103,250 57023 06/30/2004 05/27/2004 20041387 

Texas Savings Bank__ 

SNYDER, TX 

46,469 30951 Texas Savings Bank Interim, s.s.b. 

SNYDER, TX 

1 0 09/17/2004 09/17/2004 20042151 

Interim Community First Bank__ 

KENNEWICK, WA 

0 0 Community First Bank 

KENNEWICK, WA 

64,169 34627 10/20/2004 09/21/2004 20042566 

Interim Mergers (Page 2 of 3, of 43 records) 

Data Date(s) 01/01/2004 to 12/31/2004 
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

Northstar Bank 

SEATTLE, WA 

121,792 33896 Interim NorthStar Bank 

SEATTLE, WA 

 0 0 05/14/2004 04/12/2004 20040908 

Interim First Bank & Trust__ 

MENOMONIE, WI 

5,000 0 First Bank and Trust 

MENOMONIE, WI 

105,172 15911 06/01/2004 04/27/2004 20041494 

Bank of Wausau__ 

WAUSAU, WI 

72,105 35016 New Bank of Wausau 

WAUSAU, WI 

5 0 07/15/2004 06/25/2004 20041616 

Interim Mergers (Page 3 of 3, of 43 records) 

Data Date(s) 01/01/2004 to 12/31/2004 
 Failed or Closed Bank Mergers 

Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

Hancock Bank of Florida 

Tallahassee, FL 

0 57819 Guaranty National Bank of 

Tallahassee 

Tallahassee, FL 

56,600 5 26838 03/12/2004 

Union State Bank 

Nanuet, NY 

2,901,416 20119 Reliance Bank 

White Plains, NY 

17,500 1 26778 03/19/2004 

Far West Bank 

Provo, UT 

311,011 21987 Bank of Ephraim 

Ephraim, UT 

5,500 3 1249 06/25/2004 
Federal Deposit Insurance Corporation

550 17th Street, NW

Washington, DC 20429

P 6211-01-04

Design by the FDIC• DOA• CSB • Design and Printing Unit

Federal Deposit Insurance Corporation

550 17th Street, NW

Washington, DC 20429

P 6211-01-04

Design by the FDIC• DOA• CSB • Design and Printing Unit