FEDERAL DEPOSIT INSURANCE CORPORATION 

MERGER DECISIONS 

ANNUAL REPORT TO CONGRESS 

Bank Merger Act Reporting Requirements 

(Wednesday, January 01, 2003 through Wednesday, December 31, 2003) 

All of the following Merger applications have been approved by the FDIC during the year 2003. 

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 conspiracy to 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 the 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

First Financial Bank__ 

BESSEMER, AL 

183,164 19440 First Federal of the South 

SYLACAUGA, AL 

6,664 1 30433 08/11/2003 07/28/2003 20031452 

Peoples Bank of North Alabama__ 

CULLMAN, AL 

286,706 22537 The Bank 

WARRIOR, AL 

1,185 1 17750 12/08/2003 12/08/2003 20032578 

Small Town Bank__ 

WEDOWEE, AL 

82,778 35112 The Bank 

WARRIOR, AL 

44,218 1 17750 02/25/2003 02/06/2003 20023200 

Bank of Brinkley__ 

BRINKLEY, AR 

110,300 11245 First Community Bank 

JONESBORO, AR 

35,834 1 33538 08/01/2003 07/29/2003 20031443 

Bank of the Ozarks__ 

LITTLE ROCK, AR 

1,034,541 110 River Valley Bank 

RUSSELLVILLE, AR 

53,884 1 34479 05/28/2003 05/22/2003 20030976 

First Security Bank__ 

SEARCY, AR 

766,490 5633 The First National Bank of Springdale 349,072 

SPRINGDALE, AR 

4 3892 12/10/2003 11/21/2003 20032757 

Mid-State Bank & Trust__ 

ARROYO GRANDE, CA 

2,024,252 18396 Ojai Valley Bank 

OJAI, CA 

88,397 1 21017 09/11/2003 09/04/2003 20031971 

Tri Counties Bank__ 

CHICO, CA 

1,072,208 21943 North State National Bank 

CHICO, CA 

140,686 2 23756 03/07/2003 03/04/2003 20030216 

Humboldt Bank__ 

EUREKA, CA 

1,055,102 27582 Feather River State Bank 377,242 

YUBA CITY, CA 

9 22445 11/03/2003 10/24/2003 20032426 

Cathay Bank__ 

LOS ANGELES, CA 

2,662,148 18503 CITIC International Financial Holdings 

Limited 

NEW YORK, NY 

1 1 0 04/17/2003 03/31/2003 20030253 

Cathay Bank__ 

LOS ANGELES, CA 

2,909,927 18503 General Bank 2,501,379 

LOS ANGELES, CA 

20 23083 10/02/2003 08/11/2003 20031709 

Citizens Business Bank__ 

ONTARIO, CA 

3,395,164 21716 Kaweah National Bank 90,694 

VISALIA, CA 

4 33341 07/23/2003 07/03/2003 20031316 

Plumas Bank__ 

QUINCY, CA 

321,739 23275 Placer Sierra Bank 

AUBURN, CA 

59,570 5 30307 09/25/2003 08/11/2003 20031567 

Vineyard Bank__ 

RANCHO CUCAMONGA, CA 

462,992 23556 Southland Business Bank 

IRWINDALE, CA 

32,133 1 35287 06/18/2003 06/06/2003 20031085 

United Commercial Bank__ 

SAN FRANCISCO, CA 

4,854,860 32469 First Continental Bank 329,685 

ROSEMEAD, CA 

4 33340 06/25/2003 06/06/2003 20030938 

East-West Bank__ 

SAN MARINO, CA 

3,235,795 31628 Pacific Business Bank 

SANTA FE SPRINGS, CA 

167,319 4 25069 02/27/2003 02/14/2003 20030077 

Bank of Stockton__ 

STOCKTON, CA 

1,389,198 1536 Modesto Commerce Bank 

MODESTO, CA 

299,000 4 34651 10/07/2003 09/26/2003 20032142 

Chinatrust Bank (U.S.A.)__ 

TORRANCE, CA 

1,744,803 19416 The Express Bank 

ALVIN, TX 

2,500 1 26769 03/21/2003 03/04/2003 20030131 

Bank of Visalia__ 

VISALIA, CA 

119,823 34156 Humboldt Bank 

EUREKA, CA 

20 1 27582 08/15/2003 07/29/2003 20031767 

First Financial Bank__ 

ENGLEWOOD, CO 

326,384 90017 Concord EFS National Bank 

MEMPHIS, TN 

43,940 33746 10/14/2003 10/09/2003 20031657 

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

Data Date(s) 01/01/2003 to 12/31/2003 
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

FirsTier Bank__ 

LOUISVILLE, CO 

0 57646 Enterprise Bank National Association 16,658 

OMAHA, NE 

1 33380 10/10/2003 09/18/2003 20031492 

U.S. Trust Company, National 

Association__ 

GREENWICH, CT 

1,128,569 33332 State Street Bank and Trust Company of 

New England 

HARTFORD, CT 

2,000 3 0 10/15/2003 08/11/2003 20031872 

Ridgefield Bank__ 

RIDGEFIELD, CT 

604,933 18213 Fairfield County Savings Bank 

NORWALK, CT 

359,906 6 18201 11/14/2003 10/29/2003 20032543 

Citizens Bank__ 

WILMINGTON, DE 

990,185 57281 Roxborough-Manayunk Bank 

PHILADELPHIA, PA 

39,670 1 28342 12/15/2003 10/29/2003 20032546 

Southern Community Bank of Southwest 

Florida__ 

BONITA SPRINGS, FL 

141,957 35536 The Harris Bank National Association 5,900 

SCOTTSDALE, AZ 

1 24960 11/14/2003 11/14/2003 20032530 

Old Florida Bank__ 

FORT MYERS, FL 

108,207 34801 Marine National Bank of Naples 62,743 

NAPLES, FL 

1 34949 05/02/2003 05/01/2003 20030672 

Community Bank of Florida, Inc.__ 

HOMESTEAD, FL 

372,074 21258 Fairwinds Credit Union 4,939 

ORLANDO, FL 

2 0 09/10/2003 09/11/2003 20032050 

Cornerstone Community Bank__ 

SAINT PETERSBURG, FL 

94,527 34948 Madison Bank 

PALM HARBOR, FL 

 0 1 32408 01/14/2003 12/30/2002 20022956 

United Community Bank__ 

BLAIRSVILLE, GA 

2,541,719 16889 First Georgia Bank 

BRUNSWICK, GA 

257,840 6 32190 04/15/2003 03/31/2003 20030473 

Dalton Whitfield Bank__ 

DALTON, GA 

190,577 35264 Premier National Bank of Dalton 

DALTON, GA 

84,939 2 34329 02/24/2003 12/18/2002 20023008 

Iowa State Bank__ 

ALGONA, IA 

184,722 950 Corwith State Bank 24,065 

CORWITH, IA 

2 16710 07/25/2003 07/03/2003 20031406 

Tri-County Bank & Trust Co.__ 

CASCADE, IA 

52,967 10111 First Iowa Bank 

MONTICELLO, IA 

19,778 2 20121 01/07/2003 12/06/2002 20022689 

Farmers Savings Bank__ 

COLESBURG, IA 

48,977 14807 Union Planters Bank, National 

Association 

MEMPHIS, TN 

5,045 1 4979 09/24/2003 07/28/2003 20031837 

NorthStar Bank__ 

ESTHERVILLE, IA 

54,758 34407 Bank Plus 

ESTHERVILLE, IA 

6,790 1 16547 10/09/2003 09/26/2003 20032240 

Hancock County Bank & Trust__ 

GARNER, IA 

129,978 13984 Liberty Transitory Corporation 

ARNOLDS PARK, IA 

1 0 0 03/12/2003 03/04/2003 20030250 

Security State Bank__ 

INDEPENDENCE, IA 

53,781 15851 Union Planters Bank, National 

Association 

MEMPHIS, TN 

5,910 1 4979 02/18/2003 02/06/2003 20030028 

Manson State Bank__ 

MANSON, IA 

19,615 223 First Federal Savings Bank of the 

Midwest 

STORM LAKE, IA 

19,680 1 30776 12/05/2003 11/21/2003 20032712 

Northeast Security Bank__ 

SUMNER, IA 

36,299 18384 Union Planters Bank, National 

Association 

MEMPHIS, TN 

14,157 1 4979 02/18/2003 02/06/2003 20030029 

West Des Moines State Bank__ 

WEST DES MOINES, IA 

852,213 15614 Hawkeye State Bank 148,158 

IOWA CITY, IA 

2 19535 06/24/2003 06/06/2003 20031201 

Mountain West Bank__ 

COEUR D ALENE, ID 

414,038 33844 Pend Oreille Bank 64,593 

SANDPOINT, ID 

1 23745 06/27/2003 06/06/2003 20031219 

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

Data Date(s) 01/01/2003 to 12/31/2003 
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

Panhandle State Bank__ 

SANDPOINT, ID 

270,486 23415 Household Bank, FSB 

WOOD DALE, IL 

49,000 1 30971 01/15/2003 12/30/2002 20023099 

Beardstown Savings s.b.__ 

BEARDSTOWN, IL 

47,982 30043 First Federal Bank 

COLCHESTER, IL 

6,965 1 29245 08/21/2003 08/11/2003 20031890 

Bridgeview Bank and Trust Company__ 

BRIDGEVIEW, IL 

543,898 21122 Uptown National Bank of Chicago 

CHICAGO, IL 

406,835 10 919 04/10/2003 03/31/2003 20030552 

First State Bank of Campbell Hill__ 

CAMPBELL HILL, IL 

41,429 10799 The First National Bank of Coulterville 16,087 

COULTERVILLE, IL 

1 3785 09/05/2003 08/26/2003 20031910 

First Bank of the Americas, S.S.B.__ 

CHICAGO, IL 

68,553 29791 Amicus FSB 21,300 

CICERO, IL 

1 28393 01/10/2003 12/30/2002 20022967 

Standard Bank and Trust Company__ 

HICKORY HILLS, IL 

941,534 16606 BankChicago 

CHICAGO, IL 

255,029 6 18168 03/24/2003 02/14/2003 20030204 

Standard Bank and Trust Company__ 

HICKORY HILLS, IL 

946,753 16606 UmbrellaBank, fsb 

CHICAGO, IL 

21,285 1 32569 03/17/2003 03/04/2003 20030328 

Standard Bank and Trust Company__ 

HICKORY HILLS, IL 

946,753 16606 Security Federal Bank & Trust 195,871 

SAINT JOHN, IN 

6 29580 04/29/2003 04/17/2003 20030728 

Valley Bank__ 

MOLINE, IL 

322,707 10450 Cedar Valley State Bank 

ST. ANSGAR, IA 

12,330 1 14688 08/27/2003 07/28/2003 20031686 

First Bank & Trust, S.B.__ 

PARIS, IL 

212,440 29786 The First National Bank of Sullivan 3,200 

SULLIVAN, IL 

1 3745 08/22/2003 08/11/2003 20031897 

First State Bank of Van Orin__ 

VAN ORIN, IL 

14,798 10809 Malden State Bank 

MALDEN, IL 

13,101 1 10807 12/08/2003 11/17/2003 20032689 

Lake City Bank__ 

WARSAW, IN 

1,237,885 13102 ICM Bank & Trust Company 

EVANSVILLE, IN 

600 1 0 11/12/2003 10/24/2003 20032387 

Labette Bank__ 

ALTAMONT, KS 

122,241 17068 Gold Bank 36,532 

LEAWOOD, KS 

2 13155 07/23/2003 07/18/2003 20031505 

The Western State Bank__ 

GARDEN CITY, KS 

293,434 21121 Southwest Bank 38,266 

ULYSSES, KS 

2 25302 03/07/2003 02/14/2003 20030116 

Emprise Bank__ 

IOLA, KS 

62,489 14463 Enterprise Bank 

CLAYTON, MO 

52,271 3 27237 02/13/2003 02/06/2003 20030020 

The Wilson State Bank__ 

WILSON, KS 

23,829 12136 The Citizens State Bank 

GRAINFIELD, KS 

4,160 1 18077 01/17/2003 12/30/2002 20023105 

Citizens Bank of Albany__ 

ALBANY, KY 

89,425 8796 Union Planters Bank, National 

Association 

MEMPHIS, TN 

115,000 5 4979 11/20/2003 11/17/2003 20032656 

Classic Bank__ 

ASHLAND, KY 

229,357 29884 First Federal Savings Bank of Ironton 76,143 

IRONTON, OH 

3 29468 05/01/2003 03/31/2003 20030591 

The Citizens Bank__ 

MOREHEAD, KY 

58,735 10520 Integra Bank National Association 

EVANSVILLE, IN 

17,052 1 4392 05/15/2003 03/31/2003 20030579 

Kentucky Bank__ 

PARIS, KY 

403,885 734 First Federal Savings Bank 75,787 

CYNTHIANA, KY 

2 31142 09/04/2003 08/21/2003 20031975 

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

Data Date(s) 01/01/2003 to 12/31/2003 
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 Union Bank of Shelbyville__ 

SHELBYVILLE, KY 

358,195 5840 The Peoples State Bank 69,603 

HODGENVILLE, KY 

4 22799 02/28/2003 02/06/2003 20030076 

Hancock Bank of Louisiana__ 

BATON ROUGE, LA 

1,613,405 33029 Dryades Savings Bank, F.S.B. 38,061 

NEW ORLEANS, LA 

2 33933 01/15/2003 12/30/2002 20023066 

Sabine State Bank and Trust Company__ 

MANY, LA 

329,258 8141 Hancock Bank of Louisiana 

BATON ROUGE, LA 

5,189 1 33029 08/18/2003 08/11/2003 20031799 

Liberty Bank and Trust Company__ 

NEW ORLEANS, LA 

231,232 20856 First American Bank 18,591 

JACKSON, MS 

1 33819 05/13/2003 03/31/2003 20030592 

Auburndale Co-operative Bank__ 

AUBURNDALE, MA 

314,403 26336 Newton South Co-operative Bank 118,756 

NEWTON, MA 

2 26485 04/22/2003 04/17/2003 20030674 

Citizens Bank of Massachusetts__ 

BOSTON, MA 

22,812,044 18562 CambridgePort Bank 

CAMBRIDGE, MA 

1,444,508 11 90172 07/11/2003 05/22/2003 20031011 

Citizens Bank of Massachusetts__ 

BOSTON, MA 

24,958,446 18562 Community National Bank 457,279 

HUDSON, MA 

10 2593 09/10/2003 09/04/2003 20031972 

Compass Bank for Savings__ 

NEW BEDFORD, MA 

3,207,565 23291 Bay State Federal Savings Bank 591,303 

BROOKLINE, MA 

6 29712 04/22/2003 04/17/2003 20030615 

Century Bank and Trust Company__ 

SOMERVILLE, MA 

1,383,199 19943 Capital Crossing Bank 

BOSTON, MA 

851,654 2 27184 01/29/2003 01/23/3003 20023151 

County Banking and Trust Company__ 

ELKTON, MD 

375,644 13779 Townsend Bank 328 

TOWNSEND, DE 

1 0 08/25/2003 04/28/2003 20030990 

First United Bank & Trust__ 

OAKLAND, MD 

946,858 4857 The Huntington National Bank 

COLUMBUS, OH 

126,189 4 6560 05/02/2003 04/17/2003 20030673 

Bar Harbor Banking and Trust 

Company__ 

BAR HARBOR, ME 

572,138 11971 Androscoggin Savings Bank 

LEWISTON, ME 

21,007 1 17751 12/30/2003 12/11/2003 20033012 

Northern Trust Bank, Federal Savings 

Bank__ 

BLOOMFIELD HILLS, MI 

412,427 34835 Legacy South, Inc. 

ATLANTA, GA 

77,592 1 0 03/18/2003 03/17/2003 20030393 

Community Central Bank__ 

MOUNT CLEMENS, MI 

322,706 34234 North Oakland Community Bank 32,059 

ROCHESTER HILLS, MI 

1 34879 09/26/2003 09/04/2003 20032015 

Citizens Union State Bank and Trust__ 

CLINTON, MO 

240,870 10619 Missouri State Bank and Trust Company 36,564 

CLAYTON, MO 

1 19671 05/21/2003 05/13/2003 20030897 

The Lathrop Bank__ 

LATHROP, MO 

28,412 8569 Missouri Federal Savings Bank 8,458 

CAMERON, MO 

1 32487 07/08/2003 06/26/2003 20031306 

First State Bank of Purdy__ 

PURDY, MO 

127,311 16162 The First National Bank of Mount Vernon 

MOUNT VERNON, MO 

9,790 1 4555 12/03/2003 11/17/2003 20032703 

Security Bank__ 

RICH HILL, MO 

25,240 9806 First Independent Bank 

AURORA, MO 

22,855 2 18380 02/24/2003 02/14/2003 20030160 

Allegiant Bank__ 

SAINT LOUIS, MO 

2,307,993 1078 Heartland Bank 

SAINT LOUIS, MO 

23,468 1 28694 06/03/2003 05/22/2003 20030971 

The Merchants and Farmers Bank of 

Salisbury__ 

SALISBURY, MO 

74,896 8259 Bank Midwest, National Association 

KANSAS CITY, MO 

14,859 1 32964 12/31/2003 12/19/2003 20033026 

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

Data Date(s) 01/01/2003 to 12/31/2003 
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 Quad County State Bank__ 

VIBURNUM, MO 

21,292 20115 Effingham State Bank 238,071 

EFFINGHAM, IL 

19 1040 12/04/2003 10/29/2003 20032492 

First Central Bank__ 

WARRENSBURG, MO 

89,153 25268 Bank Midwest, National Association 

KANSAS CITY, MO 

25,227 1 32964 12/23/2003 12/11/2003 20032959 

Bank of Montgomery County__ 

WELLSVILLE, MO 

27,175 15423 First Bank 

CREVE COEUR, MO 

11,101 1 12229 11/07/2003 07/28/2003 20031669 

United Mississippi Bank__ 

NATCHEZ, MS 

124,498 21083 The Commercial Bank 

WOODVILLE, MS 

60,173 3 8554 10/02/2003 09/26/2003 20032133 

Crescent State Bank__ 

CARY, NC 

207,036 35006 Centennial Bank 

SOUTHERN PINES, NC 

58,361 2 35283 06/19/2003 05/22/2003 20031016 

Cabarrus Bank & Trust Company__ 

CONCORD, NC 

0 57545 Bank of Stanly 

ALBEMARLE, NC 

16,848 2 24919 03/12/2003 03/03/2003 20023191 

Yadkin Valley Bank and Trust 

Company__ 

ELKIN, NC 

565,270 19861 High Country Bank 177,769 

BOONE, NC 

5 34865 11/26/2003 11/07/2003 20032390 

The Fidelity Bank__ 

FUQUAY VARINA, NC 

1,005,074 11507 First-Citizens Bank & Trust Company 14,000 

RALEIGH, NC 

4 11063 04/11/2003 03/31/2003 20030508 

Carolina Trust Bank__ 

LINCOLNTON, NC 

40,500 57026 Bank of Granite 

GRANITE FALLS, NC 

5,626 1 5950 02/07/2003 01/23/2003 20023027 

Southern Bank and Trust Company__ 

MOUNT OLIVE, NC 

925,760 15359 RBC Centura Bank 18,980 

ROCKY MOUNT, NC 

1 33184 09/25/2003 09/04/2003 20032044 

United Community Bank__ 

MURPHY, NC 

821,901 24581 RBC Centura Bank 47,642 

ROCKY MOUNT, NC 

2 33184 09/23/2003 09/11/2003 20032102 

United Community Bank__ 

MURPHY, NC 

821,901 24581 RBC Centura Bank 32,299 

ROCKY MOUNT, NC 

1 33184 10/09/2003 09/26/2003 20032103 

First-Citizens Bank & Trust Company__ 

RALEIGH, NC 

11,084,972 11063 First Virginia Bank - Hampton Roads 13,730 

NORFOLK, VA 

1 6141 04/10/2003 03/31/2003 20030476 

First-Citizens Bank & Trust Company__ 

RALEIGH, NC 

11,203,315 11063 Avery County Bank 

NEWLAND, NC 

71,853 1 13191 07/21/2003 07/03/2003 20031340 

Security Savings Bank, SSB__ 

SOUTHPORT, NC 

285,586 28139 Liberty Savings and Loan Association 28,480 

LIBERTY, NC 

1 30602 01/17/2003 12/30/2002 20022938 

First Bank__ 

TROY, NC 

1,326,000 15019 RBC Centura Bank 95,000 

ROCKY MOUNT, NC 

4 33184 10/07/2003 09/26/2003 20032181 

FirsTier Bank__ 

BUSHNELL, NE 

4,670 17478 Compass Bank 71,213 

BIRMINGHAM, AL 

2 19048 05/15/2003 05/13/2003 20030869 

South Central State Bank__ 

CAMPBELL, NE 

38,451 16707 The Commercial Bank 

BLUE HILL, NE 

39,821 1 10636 03/12/2003 02/14/2003 20030120 

Farmers Bank of Cook__ 

COOK, NE 

50,625 18528 Pinnacle Bank 

PAPILLION, NE 

6,351 1 10634 10/09/2003 09/26/2003 20032157 

De Witt State Bank__ 

DE WITT, NE 

23,457 8339 Pinnacle Bank 

PAPILLION, NE 

4,214 1 10634 10/09/2003 09/26/2003 20032194 

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

Data Date(s) 01/01/2003 to 12/31/2003 
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 Provident Bank__ 

JERSEY CITY, NJ 

3,919,208 12010 Sun National Bank 25,308 

VINELAND, NJ 

3 26240 06/10/2003 05/23/2003 20030926 

Lakeland Bank__ 

NEWFOUNDLAND, NJ 

1,258,042 19953 Community State Bank 

TEANECK TOWNSHIP, NJ 

145,402 4 34366 07/11/2003 06/26/2003 20031320 

GreenPoint Bank__ 

BROOKLYN, NY 

22,868,149 15960 The Trust Company of New Jersey 0 

JERSEY CITY, NJ 

1 12525 12/30/2003 12/01/2003 20033017 

Atlantic Bank of New York__ 

NEW YORK, NY 

3,073,765 5915 Allied Irish Banks 

NEW YORK, NY 

43,600 1 33684 11/13/2003 11/07/2003 20032580 

Woori America Bank__ 

NEW YORK, NY 

365,549 24920 Panasia Bank, National Association 214,596 

FORT LEE, NJ 

6 33791 05/27/2003 04/17/2003 20030717 

New York Community Bank__ 

WESTBURY, NY 

12,470,143 16022 The Roslyn Savings Bank 

ROSLYN, NY 

10,696,032 37 16038 08/29/2003 08/21/2003 20031970 

The Union Bank Company__ 

COLUMBUS GROVE, OH 

217,495 12969 RFC Banking Company 

FINDLAY, OH 

71,523 3 5966 02/28/2003 02/15/2003 20030129 

The Osgood State Bank__ 

OSGOOD, OH 

76,858 9137 Community First Bank & Trust 

CELINA, OH 

12,688 1 10660 07/18/2003 07/03/2003 20031436 

Farmers Exchange Bank__ 

CHEROKEE, OK 

83,735 15118 Gold Bank 17,388 

HENNESSEY, OK 

2 413 05/02/2003 04/17/2003 20030720 

BancFirst__ 

OKLAHOMA CITY, OK 

2,817,624 27476 Gold BANK 

HENNESSEY, OK 

44,809 2 413 10/29/2003 10/24/2003 20032374 

Bank of Eastern Oregon__ 

ARLINGTON, OR 

81,012 16243 Klamath First Federal Savings and Loan 

Association 

KLAMATH FALLS, OR 

68,391 7 29339 11/18/2003 11/17/2003 20032383 

Bank of the Cascades__ 

BEND, OR 

683,439 22407 Community Bank of Grants Pass 

GRANTS PASS, OR 

48,852 1 34131 12/01/2003 10/29/2003 20032485 

Premier West Bank__ 

MEDFORD, OR 

529,769 32975 Mid Valley Bank 

RED BLUFF, CA 

175,146 5 22101 12/24/2003 12/11/2003 20032928 

Laurel Savings Bank__ 

ALLISON PARK, PA 

276,419 27956 Stanton Federal Savings Bank 52,518 

PITTSBURGH, PA 

2 30564 03/05/2003 12/30/2002 20023021 

Keystone Savings Bank__ 

BETHLEHEM, PA 

1,063,978 28166 Nazareth National Bank and Trust 

Company 

NAZARETH, PA 

636,956 19 7645 10/09/2003 07/18/2003 20031502 

The Legacy Bank__ 

HARRISBURG, PA 

249,461 35204 Leesport Bank 

LEESPORT, PA 

60,737 4 7748 08/12/2003 06/26/2003 20031322 

First Commonwealth Bank__ 

INDIANA, PA 

4,801,439 7468 Pittsburgh Savings Bank 377,428 

PITTSBURGH, PA 

7 30197 11/10/2003 10/29/2003 20032542 

Minersville Safe Deposit Bank and Trust 

Company__ 

MINERSVILLE, PA 

80,467 15145 Community Banks 15,500 

MILLERSBURG, PA 

1 12984 10/02/2003 09/04/2003 20032097 

Citizens Bank of Pennsylvania__ 

PHILADELPHIA, PA 

23,869,185 57282 Roxborough-Manayunk Bank 

PHILADELPHIA, PA 

873,960 14 28342 12/15/2003 10/29/2003 20032545 

SunBank__ 

SELINSGROVE, PA 

945,621 441 Mechanics Savings Bank 57,469 

STEELTON, PA 

2 28321 04/04/2003 02/26/2003 20030478 

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

Data Date(s) 01/01/2003 to 12/31/2003 
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

Northwest Savings Bank__ 

WARREN, PA 

4,676,845 28178 Bell Federal Savings and Loan 

Association 

BELLEVUE, PA 

892,885 7 28421 06/13/2003 05/13/2003 20030913 

R-G Premier Bank of Puerto Rico__ 

HATO REY, PR 

4,694,821 32185 Banco Bilbao Vizcaya Argentaria Puerto 

Rico 

SAN JUAN, PR 

4,500 1 19919 05/06/2003 05/06/2003 20030795 

First-Citizens Bank and Trust Company 

of South Carolina__ 

COLUMBIA, SC 

3,516,555 15504 First Bank and Trust 

CARNESVILLE, GA 

120,525 2 18281 01/09/2003 12/30/2002 20022937 

 First Banks, Inc. 

TOCCOA, GA 

 0 0 0 

 The Bank of Toccoa 

TOCCOA, GA 

130,782 1 11296 

First-Citizens Bank and Trust Company 

of South Carolina__ 

COLUMBIA, SC 

3,615,781 15504 Carolina First Bank 11,699 

GREENVILLE, SC 

1 26849 05/06/2003 05/01/2003 20030711 

First-Citizens Bank and Trust Company 

of South Carolina__ 

COLUMBIA, SC 

3,977,492 15504 National Bank of Commerce 1,200 

MEMPHIS, TN 

4 4978 08/22/2003 08/11/2003 20031764 

Legends Bank__ 

CLARKSVILLE, TN 

109,655 34936 National Bank of Commerce 3,500 

MEMPHIS, TN 

3 4978 02/24/2003 02/06/2003 20030078 

Greene County Bank__ 

GREENEVILLE, TN 

907,937 895 First Independent Bank 114,771 

GALLATIN, TN 

3 32741 10/16/2003 09/26/2003 20032059 

 Rutherford Bank and Trust 58,068 

MURFREESBORO, TN 

2 34246 

First Bank__ 

LEXINGTON, TN 

890,690 8663 Bank of Murfreesboro 

MURFREESBORO, TN 

149,973 3 34595 04/17/2003 03/17/2003 20030358 

Franklin Bank, S.S.B.__ 

AUSTIN, TX 

357,432 26870 Highland Lakes Bank 

KINGSLAND, TX 

75,077 1 18717 04/11/2003 03/31/2003 20030411 

Franklin Bank, S.S.B.__ 

AUSTIN, TX 

1,156,681 26870 Jacksonville Savings Bank, SSB 

JACKSONVILLE, TX 

471,796 9 28066 11/07/2003 10/24/2003 20032435 

First American Bank, SSB__ 

BRYAN, TX 

3,267,212 32623 Security Bank National Association 187,352 

GARLAND, TX 

6 26422 11/25/2003 10/29/2003 20032364 

First Security State Bank__ 

CRANFILLS GAP, TX 

38,654 11932 The Bank 

WEATHERFORD, TX 

14,815 1 26967 10/17/2003 09/26/2003 20032227 

The Eden State Bank__ 

EDEN, TX 

38,733 26738 Big Lake Bank, National Association 

BIG LAKE, TX 

33,606 1 26658 08/07/2003 07/16/2003 20031750 

Prosperity Bank__ 

EL CAMPO, TX 

1,726,897 16835 Abrams Centre National Bank 93,622 

DALLAS, TX 

2 25002 03/28/2003 03/17/2003 20030380 

Prosperity Bank__ 

EL CAMPO, TX 

1,726,897 16835 BankDallas, SSB 

DALLAS, TX 

40,929 1 34365 05/14/2003 05/01/2003 20030800 

Prosperity Bank__ 

EL CAMPO, TX 

1,978,407 16835 MainBank, National Association 195,684 

DALLAS, TX 

5 26624 09/24/2003 09/11/2003 20032031 

Prosperity Bank__ 

EL CAMPO, TX 

2,073,430 16835 First State Bank of North Texas 

DALLAS, TX 

100,368 3 10360 11/20/2003 11/17/2003 20032667 

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

Data Date(s) 01/01/2003 to 12/31/2003 
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

Farmers State Bank__ 

GROESBECK, TX 

79,545 15367 The First State Bank 

KOSSE, TX 

12,558 1 1197 02/14/2003 02/14/2003 20030043 

Hebbronville State Bank__ 

HEBBRONVILLE, TX 

27,420 26727 State Bank of Kingsville 33,171 

KINGSVILLE, TX 

2 2412 06/02/2003 05/23/2003 20030953 

Enterprise Bank__ 

HOUSTON, TX 

64,931 3326 Houston Commercial Bank 

HOUSTON, TX 

37,332 1 57121 09/18/2003 09/04/2003 20032010 

Southside Bank__ 

TAPPAHANNOCK, VA 

284,479 11584 First Virginia Bank - Hampton Roads 69,666 

NORFOLK, VA 

5 6141 09/10/2003 08/21/2003 20031849 

Cashmere Valley Bank__ 

CASHMERE, WA 

521,157 1265 Pacific Northwest Bank 

OAK HARBOR, WA 

19,460 1 30887 10/29/2003 10/24/2003 20032484 

FirstBank Northwest__ 

CLARKSTON, WA 

332,066 28351 Pioneer Bank, A FSB 

BAKER CITY, OR 

375,266 10 28049 10/07/2003 07/03/2003 20031374 

Wheatland Bank__ 

DAVENPORT, WA 

140,812 22939 Spokane Teachers Credit Union 

LIBERTY LAKE, WA 

1 1 0 12/05/2003 10/24/2003 20032410 

Bank of Alma__ 

ALMA, WI 

133,758 26689 Wabasha County Bank 

WABASHA, MN 

20,283 1 34568 12/12/2003 10/10/2003 20032414 

Blackhawk State Bank__ 

BELOIT, WI 

352,963 14078 First Bank, bc 76,795 

CAPRON, IL 

3 16551 07/18/2003 06/26/2003 20031260 

Citizens State Bank__ 

FORT ATKINSON, WI 

60,994 2469 M&I Marshall and Ilsley Bank 18,478 

MILWAUKEE, WI 

1 1020 09/12/2003 07/28/2003 20031792 

Premier Bank__ 

FORT ATKINSON, WI 

213,742 5295 Associated Bank, National Association 

GREEN BAY, WI 

20,357 2 5296 08/27/2003 07/18/2003 20031421 

Hartford Savings Bank__ 

HARTFORD, WI 

174,949 28531 M&I Marshall and Ilsley Bank 22,166 

MILWAUKEE, WI 

1 1020 02/24/2003 02/14/2003 20030184 

Timberwood Bank__ 

WABENO, WI 

14,833 15158 M&I Marshall and Ilsley Bank 11,964 

MILWAUKEE, WI 

1 1020 07/23/2003 06/06/2003 20031076 

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

Data Date(s) 01/01/2003 to 12/31/2003 
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 

269,621 26607 BankTrust of Brewton 

BREWTON, AL 

120,085 3 60 10/15/2003 09/08/2003 20032078 

Bank of Cave City__ 

CAVE CITY, AR 

75,326 105 Bank of Evening Shade 

EVENING SHADE, AR 

16,975 1 1751 02/20/2003 02/06/2003 20030023 

The Bank of Jonesboro__ 

JONESBORO, AR 

276,624 3878 MidSouth Bank 321,160 

JONESBORO, AR 

9 15455 06/03/2003 05/22/2003 20031221 

Valley Commerce Bank__ 

PHOENIX, AZ 

153,110 34002 Valley Commerce Merger Corporation 1 

PHOENIX, AZ 

1 0 09/17/2003 09/04/2003 20032096 

Wilshire State Bank__ 

LOS ANGELES, CA 

767,470 23301 Arlington National Bank 

ARLINGTON, TX 

2 1 26822 09/30/2003 09/04/2003 20031885 

American River Bank__ 

SACRAMENTO, CA 

286,643 24655 North Coast Bank, National Association 70,937 

SANTA ROSA, CA 

3 33212 11/24/2003 10/22/2003 20032699 

Business Bank of California__ 

SAN BERNARDINO, CA 

662,046 25070 Business Bancorp 

SAN RAFAEL, CA 

74,059 0 0 12/01/2003 10/29/2003 20032729 

Bank of the West__ 

SAN FRANCISCO, CA 

27,813,151 3514 United California Capital 

SAN FRANCISCO, CA 

123,000 0 0 11/24/2003 10/22/2003 20032673 

Wells Fargo Bank, National 

Association__ 

SAN FRANCISCO, CA 

183,712,000 3511 Wells Fargo Home Mortgage, Inc. 4,124,000 

DES MOINES, IA 

 0 0 05/14/2003 04/17/2003 20030845 

Putnam Savings Bank__ 

PUTNAM, CT 

223,870 18240 Putnam Savings Bank (Stock Savings 

Bank) 

PUTNAM, CT 

 0 0 0 05/09/2003 09/26/2002 20022343 

Webster Bank, National Association__ 

WATERBURY, CT 

479,565 18221 Webster Trust Company, National 

Association 

WATERBURY, CT 

12,155 2 33932 11/06/2003 09/29/2003 20041291 

Southern Community Bank__ 

ORLANDO, FL 

358,828 34828 Southern Community Bank, Atlantic 

DAYTONA BEACH, FL 

124,712 4 34816 07/15/2003 06/06/2003 20031073 

Main Street Bank__ 

COVINGTON, GA 

1,378,178 9243 First Colony Bank 324,135 

ALPHARETTA, GA 

3 25847 06/07/2003 05/22/2003 20031049 

The Heritage Bank__ 

HINESVILLE, GA 

245,892 193 Cumberland National Bank 

SAINT MARYS, GA 

54,486 1 35289 09/02/2003 07/28/2003 20031705 

Farmers & Merchants Bank__ 

LAKELAND, GA 

95,319 5716 The United Banking Company 83,628 

NASHVILLE, GA 

2 158 06/05/2003 02/14/2003 20030290 

Rubio Savings Bank of Brighton, Iowa__ 

BRIGHTON, IA 

24,572 14352 Washington Federal Savings Bank 99,205 

WASHINGTON, IA 

3 28978 03/21/2003 02/06/2003 20030244 

Poweshiek County Savings Bank__ 

BROOKLYN, IA 

42,712 14783 Gibson Savings Bank 

GIBSON, IA 

35,437 4 13933 12/18/2003 11/07/2003 20032817 

Citizens Bank__ 

CLIVE, IA 

93,651 35516 Citizens Bank 

MOUNT AYR, IA 

266,981 19 18608 01/30/2003 12/30/2002 20023165 

 Citizens Bank of Princeton 

PRINCETON, MO 

39,016 2 1628 

Corwith State Bank__ 

CORWITH, IA 

24,065 16710 Corwith State Bancshares, Inc. 2,398 

CORWITH, IA 

 0 0 07/25/2003 07/03/2003 20031906 

Corporate Reorganization Mergers (Page 1 of 6, of 107 records) 

Data Date(s) 01/01/2003 to 12/31/2003 
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 Bank and Trust Company__ 

HUDSON, IA 

75,267 16257 Belle Plaine Service Corp. 4 

BELLE PLAINE, IA 

 0 0 06/10/2003 05/22/2003 20031200 

Kerndt Brothers Savings Bank__ 

LANSING, IA 

83,096 8761 Farmers Savings Bank 50,622 

WEST UNION, IA 

2 243 05/12/2003 04/17/2003 20030973 

Mahaska State Bank__ 

OSKALOOSA, IA 

185,252 14197 Citizens Bank and Trust Company 79,516 

HUDSON, IA 

4 16257 06/10/2003 05/22/2003 20031105 

Perry State Bank__ 

PERRY, IA 

91,268 245 Raccoon Valley State Bank 69,962 

ADEL, IA 

3 222 09/08/2003 08/11/2003 20031927 

State Bank__ 

WORTHINGTON, IA 

40,354 15521 Worthington Bancorporation 0 

WORTHINGTON, IA 

 0 0 12/04/2003 10/23/2003 20032720 

State Bank of Aviston__ 

AVISTON, IL 

97,170 10881 KFS Bank, F.S.B. 

KANKAKEE, IL 

518,912 14 27682 09/17/2003 07/18/2003 20041305 

First State Bank of Bloomington__ 

BLOOMINGTON, IL 

47,457 22034 First State Bank of Heyworth 23,753 

HEYWORTH, IL 

1 11316 03/27/2003 03/04/2003 20030439 

Bank One, National Association__ 

CHICAGO, IL 

206,244,000 3618 First Chicago NBD Auto Lease 

Corporation 

DETROIT, MI 

49,093 1 0 01/02/2003 12/26/2002 20023006 

Bank One, National Association__ 

CHICAGO, IL 

231,100,000 3618 MPR, INC. 

CHICAGO, IL 

21,507 0 0 10/28/2003 10/17/2003 20032577 

 BOM COMLOAN, INCORPORATED 5,473,608 

HENDERSON, NV 

 0 0 

J.P. Morgan Chase Interim National 

Bank__ 

CHICAGO, IL 

2,500 0 The Chase Manhattan Trust Company of 

Illinois 

CHICAGO, IL 

5,707,000 1 34846 03/12/2003 03/04/2003 20030265 

Mutual Bank__ 

HARVEY, IL 

226,952 18659 Security Bank of DuPage 

NAPERVILLE, IL 

120,112 4 20111 12/03/2003 10/24/2003 20032576 

First State Bank of Monticello__ 

MONTICELLO, IL 

137,138 16332 First State Bank 

ATWOOD, IL 

34,445 2 5748 11/17/2003 10/29/2003 20032741 

Amcore Bank, National Association__ 

ROCKFORD, IL 

4,409,823 3735 Amcore Mortgage, Inc. 122,595 

ROCKFORD, IL 

 0 0 01/10/2003 12/18/2002 20022987 

First Community Bank and Trust__ 

BARGERSVILLE, IN 

162,529 29596 MainSource Bank 

GREENSBURG, IN 

20,576 2 5766 10/07/2003 09/11/2003 20032165 

The Fountain Trust Company__ 

COVINGTON, IN 

109,871 5768 Heritage Bank & Trust Company 14,090 

DARLINGTON, IN 

2 14632 03/19/2003 02/14/2003 20030362 

Community Bank of Southern Indiana__ 

NEW ALBANY, IN 

443,050 28915 Community Bank of Kentucky, Inc. 64,602 

BARDSTOWN, KY 

2 31626 10/20/2003 09/17/2003 20032284 

The Farmers State Bank of Bucklin, 

Kansas__ 

BUCKLIN, KS 

28,383 18101 Bucklin Bankshares, Inc. 0 

BUCKLIN, KS 

 0 0 11/17/2003 10/24/2003 20032623 

Emprise Bank (Wichita)__ 

WICHITA, KS 

498,743 4789 Emprise Bank (Iola) 

IOLA, KS 

10,302 2 14463 06/02/2003 05/01/2003 20031042 

Beverly Interim Stock Co-operative 

Bank__ 

BEVERLY, MA 

0 0 Beverly Co-operative Bank 

BEVERLY, MA 

151,923 4 26601 09/16/2003 07/18/2003 20041287 

Corporate Reorganization Mergers (Page 2 of 6, of 107 records) 

Data Date(s) 01/01/2003 to 12/31/2003 
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

Inerim Stock Savings Bank__ 

CLINTON, MA 

0 0 Clinton Savings Bank 339,486 

CLINTON, MA 

5 90181 10/17/2003 07/03/2003 20041289 

PeoplesBank__ 

HOLYOKE, MA 

0 0 PeoplesBank 

HOLYOKE, MA 

924,786 9 90213 07/25/2003 05/01/2003 20041285 

Bridgewater Interim Stock Savings 

Bank__ 

RAYNHAM, MA 

0 0 Bridgewater Savings Bank 

RAYNHAM, MA 

286,169 4 90169 03/03/2003 12/18/2002 20041283 

South Shore Interim Stock Bank__ 

WEYMOUTH, MA 

0 0 South Shore Co-operative Bank 

WEYMOUTH, MA 

147,322 2 26575 06/16/2003 03/04/2003 20041284 

Mercantile-Safe Deposit and Trust 

Company__ 

BALTIMORE, MD 

4,514,399 20347 Farmers & Mechanics Bank 

FREDERICK, MD 

28,600 2 4842 07/29/2003 06/24/2003 20031478 

The Fidelity Bank__ 

FROSTBURG, MD 

45,699 12882 Farmers & Mechanics Bank 

FREDERICK, MD 

220,600 9 4842 07/29/2003 06/24/2003 20031481 

Potomac Valley Bank__ 

GAITHERSBURG, MD 

586,899 21415 Farmers & Mechanics Bank 

FREDERICK, MD 

159,400 5 4842 07/29/2003 07/08/2003 20031479 

Maryland Permanent Bank & Trust 

Company__ 

OWINGS MILLS, MD 

84,362 27555 Maryland Permanent Capital Corporation 

OWINGS MILLS, MD 

76 0 0 10/20/2003 07/23/2003 20031842 

Westminster Union Bank__ 

WESTMINSTER, MD 

617,059 12884 Farmers & Mechanics Bank 

FREDERICK, MD 

249,200 8 4842 07/29/2003 07/08/2003 20031477 

Rural American Bank - East Grand 

Forks__ 

EAST GRAND FORKS, MN 

106,403 19180 Community National Bank of Grand 

Forks 

GRAND FORKS, ND 

117,545 2 18764 08/05/2003 07/03/2003 20031623 

Border State Bank of Greenbush__ 

GREENBUSH, MN 

51,933 15684 Border State Bank 75,404 

ROSEAU, MN 

3 16777 04/08/2003 03/03/2003 20030521 

 First National Bank 53,313 

THIEF RIVER FALLS, MN 

2 16225 

Farmers Bank__ 

ANTONIA, MO 

50,227 19435 Normandy Bank 70,272 

NORTHWOODS, MO 

2 1063 05/20/2003 05/13/2003 20030940 

Linn State Bank__ 

LINN, MO 

144,150 12616 Charter 1 Bank 

OWENSVILLE, MO 

40,540 3 23894 03/25/2003 03/04/2003 20030407 

The Maries County Bank__ 

VIENNA, MO 

138,031 8576 Belle State Bank 

BELLE, MO 

61,673 3 18086 01/14/2003 12/09/2002 20023016 

Bank of America, National Association__ 

CHARLOTTE, NC 

565,382 3510 BA Mortgage, LLC 

CHARLOTTE, NC 

748 0 0 03/27/2003 02/24/2003 20030464 

Bank of America, National Association__ 

CHARLOTTE, NC 

769,179,000 3510 Banc of America Specialty Finance, Inc. 

ALPHARETTA, GA 

0 0 0 10/29/2003 09/22/2003 20032274 

 Fleetwood Credit Corp. 

ALPHARETTA, GA 

0 0 0 

 Sea Ray Credit Corporation 0 

ALPHARETTA, GA 

 0 0 

 Winnebago Acceptance Corporation 0 

ALPHARETTA, GA 

 0 0 

Corporate Reorganization Mergers (Page 3 of 6, of 107 records) 

Data Date(s) 01/01/2003 to 12/31/2003 
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

New Century Bank of Fayetteville__ 

FAYETTEVILLE, NC 

0 57609 New Century Bank 

DUNN, NC 

9,000 1 35465 09/30/2003 06/07/2003 20031268 

Bank of Granite__ 

GRANITE FALLS, NC 

698,711 5950 First Commerce Bank 180,179 

CHARLOTTE, NC 

3 34215 03/14/2003 03/04/2003 20030632 

Branch Banking and Trust Company__ 

WINSTON SALEM, NC 

67,483,312 9846 First Vantage Bank /Tri-Cities 

BRISTOL, VA 

268,061 12 9982 09/25/2003 07/25/2003 20031805 

Branch Banking and Trust Company__ 

WINSTON SALEM, NC 

67,483,312 9846 Atlantic Bank 

OCEAN CITY, MD 

2,409,890 13 21641 09/25/2003 07/25/2003 20031806 

Branch Banking and Trust Company__ 

WINSTON SALEM, NC 

67,483,312 9846 Farmers Bank of Maryland 1,415,082 

ANNAPOLIS, MD 

42 4821 09/25/2003 07/25/2003 20031807 

State Bank & Trust__ 

FARGO, ND 

950,979 19581 Northern Capital Trust Company 

FARGO, ND 

2,462 0 57592 12/01/2003 10/29/2003 20032764 

State Bank of Fargo__ 

FARGO, ND 

666,096 19581 State Bank of Moorhead 126,846 

MOORHEAD, MN 

1 34349 06/23/2003 06/07/2003 20031500 

 State Bank of West Fargo 105,651 

WEST FARGO, ND 

2 19037 

U.S. Bank National Association ND__ 

FARGO, ND 

2,986,750 34590 USB Services, Inc. 

WILMINGTON, DE 

 0 0 0 11/26/2003 11/07/2003 20032602 

The Fingal State Bank__ 

FINGAL, ND 

13,751 9425 Page State Bank 

PAGE, ND 

7,736 1 19350 09/24/2003 09/04/2003 20031982 

Bruning State Bank__ 

BRUNING, NE 

101,187 18748 The Commercial State Bank 

CLAY CENTER, NE 

31,987 1 18782 03/12/2003 02/14/2003 20030300 

Bank of Clarks__ 

CLARKS, NE 

19,839 16953 Farmers State Bank of Silver Creek 

SILVER CREEK, NE 

15,361 1 8353 05/22/2003 04/22/2003 20030909 

Farmers State Bank__ 

MAYWOOD, NE 

38,299 15907 State Bank of Trenton 19,127 

TRENTON, NE 

1 11026 11/12/2003 20032467 

Heritage Bank__ 

WOOD RIVER, NE 

212,541 17145 City National Bank and Trust Company, 

Hastings, Nebraska 

HASTINGS, NE 

219,248 2 13749 05/06/2003 03/27/2003 20030752 

Providian National Bank__ 

TILTON, NH 

12,713,368 6252 Providian Bank 

SALT LAKE CITY, UT 

1,376,053 1 34166 12/31/2003 10/24/2003 20041292 

Manufacturers and Traders Trust 

Company__ 

BUFFALO, NY 

50,218,278 588 Allfirst Trust Company of Pennsylvania, 

National Association 

HARRISBURG, PA 

4,839 8 35482 05/20/2003 04/14/2003 20041298 

 Allfirst Trust Company National 

Association 

MCLEAN, VA 

89,180 8 34466 

Provident Municipal Bank__ 

MONTEBELLO, NY 

95,004 57339 Provident Bank 

MONTEBELLO, NY 

1,303,909 21 30337 11/20/2003 09/22/2003 20041302 

Habib American Bank__ 

NEW YORK, NY 

221,223 25093 Habib Bank of New Jersey 

EDISON, NJ 

 0 1 0 04/02/2003 03/03/2003 20041301 

Charter One Bank, National 

Association__ 

CLEVELAND, OH 

42,042,160 28932 GCCC, Inc. 

CLEVELAND, OH 

 0 0 0 03/26/2003 03/04/2003 20030458 

Corporate Reorganization Mergers (Page 4 of 6, of 107 records) 

Data Date(s) 01/01/2003 to 12/31/2003 
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 Union Bank Company 

COLUMBUS GROVE, OH 

217,495 12969 Citizens Bank of Delphos 140,981 

DELPHOS, OH 

1 29740 02/28/2003 02/06/2003 20041294 

 The Bank of Leipsic Company 67,702 

LEIPSIC, OH 

2 11088 

Farmers State Bank, Allen, Oklahoma__ 

ALLEN, OK 

30,057 12758 Allen Bancshares, Inc. 0 

ALLEN, OK 

 0 0 04/25/2003 03/24/2003 20030630 

All America Bank__ 

OKLAHOMA CITY, OK 

48,739 20093 First Mustang Corporation 

OKLAHOMA CITY, OK 

 0 0 0 11/20/2003 10/24/2003 20032536 

Southwest State Bank__ 

SENTINEL, OK 

34,063 4195 Southwest State Corporation 

SENTINEL, OK 

90 0

 

0 05/08/2003 04/07/2003 20030707 

Bank of the Wichitas__ 

SNYDER, OK 

49,770 4198 Wichita Bancshares, Inc. 

SNYDER, OK 

14 0 0 05/08/2003 04/07/2003 20030718 

First American Bank__ 

STONEWALL, OK 

18,005 15762 First American Bancorp, Inc. 

STONEWALL, OK 

 0 0 0 03/26/2003 03/04/2003 20030379 

Carolina First Bank__ 

GREENVILLE, SC 

7,127,000 26849 MountainBank 

HENDERSONVILLE, NC 

882,000 19 34438 08/22/2003 08/11/2003 20031723 

Arthur State Bank__ 

UNION, SC 

215,322 15085 Carolina State Bank 

CHESNEE, SC 

82,088 2 9920 08/25/2003 07/09/2003 20031557 

 Pinnacle State Bank 

WOODRUFF, SC 

65,262 4 14067 

First Western Bank__ 

RAPID CITY, SD 

183,661 21131 American Bank Shares, Inc. 

HURON, SD 

27 0 0 11/05/2003 10/01/2003 20032475 

The First Western Bank Wall__ 

WALL, SD 

135,103 488 First Western Bank 183,661 

RAPID CITY, SD 

3 21131 11/05/2003 10/01/2003 20032476 

Great Western Bank__ 

WATERTOWN, SD 

595,406 15289 Great Western Bank 

RAPID CITY, SD 

248,338 6 25259 04/18/2003 03/31/2003 20030604 

National Bank of Commerce__ 

MEMPHIS, TN 

21,299,966 4978 BancMortgage Financial Corporation 250,186 

ATLANTA, GA 

10 0 04/30/2003 03/04/2003 20031019 

Community Bank & Trust, S.S.B.__ 

BEAUMONT, TX 

952,491 15325 Community Interim Bank & Trust, SSB 

TYLER, TX 

56,928 1 34412 07/28/2003 07/03/2003 20031635 

Sterling Bank__ 

HOUSTON, TX 

3,442,894 21726 Plaza Bank 82,821 

SAN ANTONIO, TX 

3 22270 10/30/2003 09/17/2003 20032766 

Branch Banking and Trust Company of 

Virginia__ 

RICHMOND, VA 

12,235,002 22584 First Virginia Bank 4,572,585 

FALLS CHURCH, VA 

84 17092 09/25/2003 07/25/2003 20031808 

Branch Banking and Trust Company of 

Virginia__ 

RICHMOND, VA 

12,235,002 22584 First Vantage Bank /Tri-Cities 

BRISTOL, VA 

379,754 17 9982 09/25/2003 07/25/2003 20031809 

Branch Banking and Trust Company of 

Virginia__ 

RICHMOND, VA 

12,235,002 22584 First Virginia Bank - Colonial 967,486 

RICHMOND, VA 

30 20450 09/25/2003 07/25/2003 20031810 

Branch Banking and Trust Company of 

Virginia__ 

RICHMOND, VA 

12,235,002 22584 First Virginia Bank-Southwest 1,443,587 

ROANOKE, VA 

48 20877 09/25/2003 07/25/2003 20031811 

Corporate Reorganization Mergers (Page 5 of 6, of 107 records) 

Data Date(s) 01/01/2003 to 12/31/2003 
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

Branch Banking and Trust Company of 

Virginia__ 

RICHMOND, VA 

12,235,002 22584 First Virginia Bank - Blue Ridge 593,802 

STAUNTON, VA 

23 6134 09/25/2003 07/25/2003 20031812 

Branch Banking and Trust Company of 

Virginia__ 

RICHMOND, VA 

12,235,002 22584 First Virginia Bank - Hampton Roads 1,160,245 

NORFOLK, VA 

38 6141 09/25/2003 07/25/2003 20031824 

Planters Bank & Trust Company of 

Virginia__ 

STAUNTON, VA 

551,375 20786 Second Bank & Trust 

CULPEPER, VA 

59,478 1 6834 03/31/2003 02/06/2003 20030180 

Union Bank__ 

MORRISVILLE, VT 

239,377 14158 Citizens Savings Bank and Trust 

Company 

SAINT JOHNSBURY, VT 

103,719 4 14169 04/03/2003 03/04/2003 20030470 

Puyallup Valley Bank__ 

PUYALLUP, WA 

149,026 21231 Valley Bank 

AUBURN, WA 

20,038 2 34913 01/17/2003 12/30/2002 20022968 

AmericanWest__ 

SPOKANE, WA 

769,251 22441 Bank of Latah 

SAINT MARIES, ID 

151,198 9 18379 03/03/2003 02/06/2003 20030544 

Johnson Bank__ 

RACINE, WI 

2,251,543 20296 Johnson Trust Company 

RACINE, WI 

1 1 0 08/14/2003 07/18/2003 20041288 

Corporate Reorganization Mergers (Page 6 of 6, of 107 records) 

Data Date(s) 01/01/2003 to 12/31/2003 
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

Community Capital Interim Bank__ 

DOTHAN, AL 

0 0 First Bank of Dothan, Inc. 

DOTHAN, AL 

26,438 27207 10/27/2003 09/26/2003 20032062 

Auburn Merger Company__ 

AUBURN, CA 

1 0 Auburn Community Bank 

AUBURN, CA 

87,508 34557 01/23/2003 12/18/2002 20030073 

Southwest Community Bank__ 

ENCINITAS, CA 

250,898 34410 SWC Merger Company 

CARLSBAD, CA 

 0 0 03/28/2003 01/30/2003 20030774 

First State Bank of California__ 

GRANADA HILLS, CA 

139,744 24841 FSB Merger Corporation 

GRANADA HILLS, CA 

1 0 01/10/2003 01/16/2003 20022947 

Nara Merger Sub, Inc.__ 

LOS ANGELES, CA 

1 0 Asiana Bank 

SUNNYVALE, CA 

43,774 34831 08/05/2003 07/18/2003 20031454 

Citizens Merger Sub__ 

NEVADA CITY, CA 

2 0 Citizens Bank of Nevada County 

NEVADA CITY, CA 

109,108 33983 05/20/2003 05/01/2003 20030915 

Heritage Oaks Merger Corporation__ 

PASO ROBLES, CA 

332,073 24229 Hacienda Bank 

SANTA MARIA, CA 

72,014 27166 08/25/2003 08/18/2003 20031772 

FSB Merger Company__ 

ROCKLIN, CA 

1 0 Five Star Bank 

ROCKLIN, CA 

66,167 35361 01/28/2003 01/02/2003 20023222 

Pacific Business Bank__ 

SANTA FE SPRINGS, CA 

167,319 25069 EWB Merger Sub. Inc. 

SAN MARINO, CA 

1 0 02/27/2003 02/14/2003 20030468 

Verdugo Acquisition Corporation__ 

SANTA MONICA, CA 

1 0 Verdugo Banking Company 

GLENDALE, CA 

179,149 33483 07/17/2003 06/26/2003 20031283 

Bank of Stockton__ 

STOCKTON, CA 

1,389,198 1536 Central Valley Bancorp 

MODESTO, CA 

299,000 0 10/07/2003 09/26/2003 20032166 

Service 1st Merger Corporation__ 

STOCKTON, CA 

0 0 Service 1st Bank 

STOCKTON, CA 

83,306 35215 05/21/2003 04/28/2003 20030984 

Monterey Bank Op Sub, LLC__ 

WATSONVILLE, CA 

0 0 Union Bank of California, National 

Association 

SAN FRANCISCO, CA 

39,603,076 22826 05/30/2003 05/22/2003 20031068 

Townsend Interim Bank__ 

TOWNSEND, DE 

0 0 Townsend Bank 

TOWNSEND, DE 

354 0 08/25/2003 07/30/2003 20031820 

COAST BANK OF FLORIDA__ 

BRADENTON, FL 

156,136 35397 Coast Interim Bank 

BRADENTON, FL 

 0 0 01/31/2003 01/23/2003 20023134 

Englewood Acquisition Bank__ 

ENGLEWOOD, FL 

0 0 Englewood Bank 

ENGLEWOOD, FL 

143,418 27205 12/10/2003 11/17/2003 20032664 

MLB Interim Bank__ 

GAINESVILLE, FL 

0 0 Millennium Bank 

GAINESVILLE, FL 

98,792 34946 04/04/2003 03/31/2003 20030429 

Bank of Alapaha__ 

ALAPAHA, GA 

69,906 155 Alapaha Interim Company 

ALAPAHA, GA 

 0 0 07/18/2003 06/24/2003 20031411 

Piedmont Bank of Georgia__ 

ATLANTA, GA 

84,623 57219 Piedmont Interim Corporation 

ATLANTA, GA 

 0 0 01/13/2003 12/18/2002 20022862 

Security Interim Bank__ 

GRAY, GA 

0 0 Bank of Gray 

GRAY, GA 

233,766 8486 04/03/2003 03/17/2003 20030392 

Interim Mergers (Page 1 of 3, of 54 records) 

Data Date(s) 01/01/2003 to 12/31/2003 
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

Community Bank of Pickens County__ 

JASPER, GA 

68,903 35513 Pickens Interim Corporation 

JASPER, GA 

 0 0 04/25/2003 03/19/2003 20030633 

The Carver State Bank__ 

SAVANNAH, GA 

22,487 16584 Carver Interim, Inc. 

SAVANNAH, GA 

 0 0 07/02/2003 06/02/2003 20031263 

North Georgia Bank__ 

WATKINSVILLE, GA 

66,880 35242 NGB Interim Corporation 

WATKINSVILLE, GA 

 0 0 03/26/2003 03/04/2003 20030459 

Country Bank__ 

ALEDO, IL 

60,834 35395 Republic Bank of Aledo 

ALEDO, IL 

 0 0 06/11/2003 05/22/2003 20030993 

Partners Bank__ 

GLEN CARBON, IL 

90,936 35416 PB Interim Bank 

GLEN CARBON, IL 

10 0 11/13/2003 10/24/2003 20032564 

Godfrey Interim Bank__ 

GODFREY, IL 

0 0 The Bank of Godfrey 

GODFREY, IL 

26,185 34552 02/28/2003 02/06/2003 20030019 

Goodfield State Bank__ 

GOODFIELD, IL 

36,056 11699 Republic Bank of Goodfield 

GOODFIELD, IL 

 0 0 02/14/2003 12/30/2002 20023047 

The Iuka State Bank__ 

IUKA, IL 

14,059 11317 Iuka Interim Bank 

IUKA, IL 

 0 0 11/13/2003 10/24/2003 20032565 

Oak Lawn Bank__ 

OAK LAWN, IL 

54,769 35272 Oak Lawn Interim Bank 

OAK LAWN, IL 

 0 0 08/29/2003 07/28/2003 20031859 

Independence Bank__ 

NEW ALBANY, IN 

99,674 11338 I-Bank 

LOUISVILLE, KY 

1 0 07/23/2003 07/03/2003 20041303 

Red River Interim Bank__ 

ALEXANDRIA, LA 

1 0 Bank of Lecompte 

LECOMPTE, LA 

40,639 9318 08/15/2003 08/11/2003 20031847 

New Liberty Bank__ 

NEW ORLEANS, LA 

0 0 First American Bank 

JACKSON, MS 

18,591 33819 05/13/2003 03/31/2003 20030586 

Peoples State Bank__ 

HAMTRAMCK, MI 

402,853 14939 PSB Interim Bank 

HAMTRAMCK, MI 

 0 0 04/10/2003 03/18/2003 20030602 

SCB Merger Company__ 

NEWPORT, MN 

1 0 Sun Country Bank 

VICTORVILLE, CA 

180,971 33121 07/11/2003 07/03/2003 20031354 

Business Interim Bank__ 

CLAYTON, MO 

300 0 The Business Bank of Saint Louis 

CLAYTON, MO 

76,765 57358 06/26/2003 06/06/2003 20031246 

Frontenac Interim Bank__ 

EARTH CITY, MO 

300 0 Frontenac Bank 

EARTH CITY, MO 

136,118 34986 02/18/2003 02/06/2003 20030193 

AB Interim Bank__ 

HARRISONVILLE, MO 

75 0 Allen Bank and Trust Company 

HARRISONVILLE, MO 

82,526 8583 11/10/2003 10/15/2003 20032635 

The Siwooganock Bank__ 

LANCASTER, NH 

75,504 18037 The Siwooganock Interim Bank 

LANCASTER, NH 

 0 0 07/09/2003 06/26/2003 20031415 

Millington Savings Bank__ 

MILLINGTON, NJ 

196,992 30022 Millington Interim Savings Bank 

MILLINGTON, NJ 

 0 0 12/04/2003 09/11/2003 20032210 

NSB Merger Company__ 

RENO, NV 

1 0 Nevada Security Bank 

RENO, NV 

93,815 57110 07/28/2003 06/26/2003 20031942 

Interim Mergers (Page 2 of 3, of 54 records) 

Data Date(s) 01/01/2003 to 12/31/2003 
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

Bank Audi U.S.A.__ 

NEW YORK, NY 

755,364 24516 INTERAUDI Florida Interim Bank 

MIAMI, FL 

2,150 0 03/19/2003 02/25/2003 20030455 

Country Bank__ 

NEW YORK, NY 

252,439 27226 Country Interim Bank 

NEW YORK, NY 

 0 0 08/28/2003 07/23/2003 20031860 

Victory State Bank__ 

STATEN ISLAND, NY 

135,885 34565 Victory Interim Bank 

STATEN ISLAND, NY 

 0 0 03/03/2003 02/10/2003 20030326 

Columbia Savings Bank__ 

CINCINNATI, OH 

61,036 32284 Corryville Savings Bank 

CINCINNATI, OH 

 0 0 09/15/2003 08/11/2003 20031891 

The Peoples Savings Bank__ 

NEW MATAMORAS, OH 

38,654 9439 PSB Interim Bank 

NEW MATAMORAS, OH 

50 0 11/26/2003 10/24/2003 20032538 

Clearfield Bank & Trust Company__ 

CLEARFIELD, PA 

243,565 11116 Clearfield Interim Bank & Trust Company 

CLEARFIELD, PA 

250 0 02/24/2003 02/06/2003 20030293 

Sharon Savings Bank__ 

DARBY, PA 

178,284 28793 Sharon Interim Two 

DARBY, PA 

 0 0 10/14/2003 06/26/2003 20031560 

First County Bank__ 

DOYLESTOWN, PA 

141,600 34251 UNB Interim Acquisition 

, PA 

 0 0 04/30/2003 04/30/2003 20041306 

HomeTowne Heritage Bank__ 

INTERCOURSE, PA 

144,119 35104 NPB Interim Bank 

BOYERTOWN, PA 

85 0 11/12/2003 10/24/2003 20032511 

First American Bank, SSB__ 

BRYAN, TX 

3,267,212 32623 Beltline Bancshares, Inc. 

GARLAND, TX 

13 0 11/25/2003 10/29/2003 20032999 

Rio Interim Corp.__ 

MCALLEN, TX 

0 0 Rio Bank 

MCALLEN, TX 

63,917 25886 12/10/2003 11/07/2003 20032998 

The Bevans State Bank of Menard__ 

MENARD, TX 

16,305 10704 BSA Acquisition Corporation 

ABILENE, TX 

1 0 06/02/2003 05/22/2003 20031074 

Community Interim Bank & Trust 

S.S.B__ 

TYLER, TX 

0 0 Secured Trust Bank 

TYLER, TX 

49,618 34412 07/28/2003 07/03/2003 20041304 

Wolf River Community Savings Bank__ 

HORTONVILLE, WI 

56,048 34240 WR Interim Bank 

HORTONVILLE, WI 

5 0 05/02/2003 04/01/2003 20030706 

Interim Mergers (Page 3 of 3, of 54 records) 

Data Date(s) 01/01/2003 to 12/31/2003 
 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

Earthstar Bank 

SOUTHAMPTON, PA 

112,189 35561 Pulaski Savings Bank 

PHILADELPHIA, PA 

8,900 1 27203 11/14/2003 N/A 

Beal Bank, SSB 

PLANO, TX 

5,478,664 32574 Southern Pacific Bank 

TORRANCE, CA 

201,500 3 27094 02/07/2003 N/A 

The Park Bank 

MADISON, WI 

276,173 19608 First National Bank of 

Blanchardsville 

BLANCHARDSVILLE, WI 

1,400 1 11639 05/08/2003 N/A 

Note: These target institutions were either closed or in danger of being closed. The respective 

"applicant" institutions were the competitive bidding winners to purchase certain assets of and 

assume the liability to pay certain deposits of the target. The FDIC’s Board of Directors found that 

immediate action was necessary and waived the publication of notice and solicitation of reports on 

the competitive factors involved.