Federal

Deposit

Insurance

Corporation

Merger

Decisions

2002
FEDERAL DEPOSIT INSURANCE CORPORATION

MERGER DECISIONS

2002 ANNUAL REPORT TO CONGRESS

Bank Merger Act Reporting Requirements 

(January 1, 2002 through December 31, 2002)

All of the following Merger applications have been approved by the FDIC during the year 2002. 

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

(i) the competitive factors involved; (ii) the financial resources, managerial resources, and future 

prospects of the existing and proposed institutions; (iii) the convenience and needs of the 

community to be served; and (iv) the effectiveness of each insured depository institution involved 

in the merger transaction 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 for each transaction, and the Summary Report 

submitted by the Attorney General indicated that the transaction would not have a significantly 

adverse effect on competition.

In each case, the FDIC has determined 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. Furthermore, the FDIC generally determined that each 

transaction would not substantially lessen competition in any section of the country or tend to 

create a monopoly or in any other manner restrain trade. In any case where the FDIC found that 

the transaction would substantially lessen competition or tend to create a monopoly or restrain 

trade, the FDIC determined that 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 web site at www.fdic.gov/bank/individual/merger/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

Application 

Number

Peoples Bank of North Alabama

CULLMAN, AL 

201,651 22537 Community Bank

BLOUNTSVILLE, AL 

98,972 6 57 05/08/2002 20020495 

Elk Horn Bank and Trust Company

ARKADELPHIA, AR 

122,294 1528 Superior Bank, FSB 

FORT SMITH, AR 

34,286 2 28958 12/13/2002 20022729 

Bank of England

ENGLAND, AR 

78,600 13303 First Community Bank 

JONESBORO, AR 

15,388 2 33538 09/25/2002 20022037 

Simmons First Bank of South 

Arkansas

LAKE VILLAGE, AR 

103,267 18590 Heartland Community Bank

CAMDEN, AR 

12,909 4 28761 05/10/2002 20020731 

Community Bank of Arizona

WICKENBURG, AZ 

165,579 22644 Community First National Bank 

FARGO, ND 

17,627 1 3924 01/14/2002 20012861 

Silvergate Bank

LA JOLLA, CA 

325,829 27330 Humboldt Bank 

EUREKA, CA 

16,000 2 27582 12/06/2002 20022110 

Gateway Business Bank

LAKEWOOD, CA 

128,692 34250 eosbank 

SAN MATEO, CA 

55,203 1 27093 07/24/2002 20021394 

General Bank

LOS ANGELES, CA 

2,099,519 23083 Liberty Bank and Trust Company 

BOSTON, MA 

37,365 1 19485 02/13/2002 20012474 

Citizens Business Bank

ONTARIO, CA 

2,512,829 21716 Western Security Bank, National 

Association

BURBANK, CA 

129,726 1 25058 03/27/2002 20020251 

First National Bank

RANCHO SANTA FE, CA 

1,052,322 23743 Generations Trust Bank, National 

Association 

LONG BEACH, CA 

3,086 1 35404 09/16/2002 20021898 

Redlands Centennial Bank

REDLANDS, CA 

116,872 33025 Palomar Community Bank

ESCONDIDO, CA 

82,771 1 32226 03/28/2002 20020315 

Security Business Bank of San Diego

SAN DIEGO, CA 

8,500 57357 Manufacturers Bank 

LOS ANGELES, CA 

7,965 1 18618 08/16/2002 20021590 

Bank of the West

SAN FRANCISCO, CA 

12,838,624 3514 United California Bank

LOS ANGELES, CA 

10,762,877 121 20589 03/04/2002 20013009 

First Bank & Trust

SAN FRANCISCO, CA 

3,043,885 22912 Jefferson Heritage Bank 

DENTON, TX 

78,718 2 30292 06/06/2002 20020916 

United Commercial Bank

SAN FRANCISCO, CA 

3,192,066 32469 Bank of Canton of California 

SAN FRANCISCO, CA 

1,448,770 12 16754 10/11/2002 20022190 

United Commercial Bank

SAN FRANCISCO, CA 

3,192,066 32469 Broadway National Bank 

NEW YORK, NY 

179,815 2 26790 11/26/2002 20022436 

Bank of Agriculture and Commerce

STOCKTON, CA 

209,964 19434 City National Bank 

BEVERLY HILLS, CA 

9,468 2 17281 05/15/2002 20020791 

Citrus Bank

ORLANDO, FL 

804,795 27515 Mercantile Bank 

SAINT PETERSBURG, FL 

523,502 14 32473 08/18/2002 20021198 

Mercantile Bank

ORLANDO, FL 

1,462,151 27515 Central Bank of Tampa 

TAMPA, FL 

215,257 4 16502 12/13/2002 20022718 

Sanibel Captiva Community Bank

SANIBEL, FL 

0 57425 First Community Bank of Southwest 

Florida 

FORT MYERS, FL 

19,325 1 34943 12/12/2002 20022623 

Regular Mergers (Page 1 of 8, of 145 records) 

Data Date(s) 01/01/2002 to 12/31/2002 
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

Application 

Number

Main Street Bank

COVINGTON, GA 

1,247,029 9243 First National Bank of Johns Creek 

SUWANEE, GA 

106,752 2 35089 11/25/2002 20022234 

Southeastern Bank

DARIEN, GA 

361,780 5685 The Park Avenue Bank 

VALDOSTA, GA 

10,651 1 19797 01/07/2002 20012635 

Pinnacle Bank

ELBERTON, GA 

311,204 14065 NBank, National Association

COMMERCE, GA 

17,325 1 2127 06/03/2002 20020992 

Northwest Georgia Bank

RINGGOLD, GA 

359,804 9246 The Bank of Sharon 

SHARON, TN 

143,037 1 2374 11/06/2002 20021932 

Bank of Upson

THOMASTON, GA 

229,156 17041 Bank of Coweta 

NEWNAN, GA 

14,724 1 20827 10/11/2002 20022082 

FLAG Bank

VIENNA, GA 

533,962 186 Encore Bank 

HOUSTON, TX 

96,321 6 30297 10/18/2002 20021880 

Cresco Union Savings Bank

CRESCO, IA 

171,723 18443 Northwest FSB

SPENCER, IA 

24,105 1 32647 01/10/2002 20012801 

United Community Bank

MILFORD, IA 

143,202 13656 Security State Bank

MILFORD, IA 

44,358 2 218 04/10/2002 20020434 

United Community Bank

MILFORD, IA 

187,560 13656 Security State Bank

LAKE PARK, IA 

15,942 1 15368 04/10/2002 20020435 

The American Bank

CERRO GORDO, IL 

18,798 11311 Cerro Gordo Building and Loan, s.b. 

CERRO GORDO, IL 

9,619 1 30210 09/18/2002 20021865 

First State Bank of Forrest

FORREST, IL 

44,880 11669 Morris Building and Loan, s.b. 

MORRIS, IL 

52 1 28427 12/27/2002 20022863 

Banterra Bank

MARION, IL 

769,900 17514 Fifth Third Bank, Indiana

INDIANAPOLIS, IN 

145,676 4 34434 06/18/2002 20021049 

The Peoples State Bank of Newton 

NEWTON, IL 

161,637 11722 The First National Bank of Sumner 

SUMNER, IL 

44,002 2 3839 09/19/2002 20021989 

Vermilion Valley Bank

PIPER CITY, IL 

50,568 11667 Roberts State Bank 

ROBERTS, IL 

28,249 1 12398 08/12/2002 20021577 

Thomson State Bank

THOMSON, IL 

20,627 5753 Savanna State Bank

SAVANNA, IL 

38,491 1 19517 05/03/2002 20020239 

People's Trust Company

BROOKVILLE, IN 

452,318 5766 Union Bank and Trust Company of 

Indiana 

GREENSBURG, IN 

339,778 15 10093 08/13/2002 20021574 

People's Trust Company

BROOKVILLE, IN 

459,293 5766 Old National Bank

EVANSVILLE, IN 

11,034 1 3832 05/16/2002 20020740 

Greensfork Merger Bank

LYNN, IN 

1 0 Greensfork Township State Bank

LYNN, IN 

5,858 1 8056 01/08/2002 20012602 

Guaranty State Bank and Trust Co. 

BELOIT, KS 

76,327 10907 Mid-America Bank 

BALDWIN CITY, KS 

1,809 2 17374 11/04/2002 20021974 

The State Bank of Kansas

FREDONIA, KS 

67,159 10508 Intrust Bank, National Association 

WICHITA, KS 

23,495 1 4799 09/17/2002 20021992 

Regular Mergers (Page 2 of 8, of 145 records) 

Data Date(s) 01/01/2002 to 12/31/2002 
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

Application 

Number

Patriots Bank

GARNETT, KS 

58,572 18019 Intrust Bank, National Association 

WICHITA, KS 

3,265 1 4799 09/24/2002 20022044 

The Citizens State Bank

GRIDLEY, KS 

65,826 15111 Home Savings Bank 

CHANUTE, KS 

5,000 1 28246 07/02/2002 20021176 

The Morrill and Janes B & T Co.

HIAWATHA, KS 

84,386 1143 The Morrill State Bank & Trust Co. 

SABETHA, KS 

67,089 2 10924 09/17/2002 20021965 

The Morrill and Janes B &T Co.

HIAWATHA, KS 

84,386 1143 First National Bank of Onaga 

ONAGA, KS 

163,676 3 26326 09/17/2002 20021966 

The Denison State Bank

HOLTON, KS 

144,217 15305 Intrust Bank, National Association 

WICHITA, KS 

8,839 1 4799 12/02/2002 20022667 

The Stockgrowers State Bank

MAPLE HILL, KS 

23,931 18165 Gold Bank

LEAWOOD, KS 

22,278 1 13155 04/08/2002 20020465 

The Bank

OBERLIN, KS 

100,350 26522 Gold Bank 

LEAWOOD, KS 

52,496 3 13155 04/08/2002 20020234 

The Peoples Bank

PRATT, KS 

184,746 1147 The Farmers State Bank

HARDTNER, KS 

20,702 2 17677 03/04/2002 20020243 

First State Bank and Trust

TONGANOXIE, KS 

171,688 14974 The Bank of Perry

PERRY, KS 

34,139 1 13689 06/21/2002 20021140 

The Bank of Kentucky, Inc.

FLORENCE, KY 

534,607 33022 Peoples Bank of Northern Kentucky, Inc. 

CRESTVIEW HILLS, KY 

186,462 8 33541 11/01/2002 20022485 

Planters Bank, Inc.

HOPKINSVILLE, KY 

144,469 34254 City State Bank 

MARTIN, TN 

99,566 3 2402 10/25/2002 20021902 

Sabine State Bank and Trust Company

MANY, LA 

291,073 8141 Community Bank, Katy, Tx.

KATY, TX 

2,000 1 24736 05/31/2002 20020902 

Abington Savings Bank

ABINGTON, MA 

849,297 22051 Massachusetts Co -operative Bank 

BOSTON, MA 

125,481 2 26569 07/29/2002 20021451 

Citizens Bank of Massachusetts

BOSTON, MA 

18,421,303 18562 Medford Savings Bank 

MEDFORD, MA 

1,446,171 18 23290 08/16/2002 20021466 

The Boston Bank of Commerce

BOSTON, MA 

252,414 23966 Family Savings Bank, F.S.B. 

LOS ANGELES, CA 

200,800 4 30376 12/13/2002 20022423 

Randolph Interim Stock Bank

RANDOLPH, MA 

1 0 Randolph Savings Bank 

RANDOLPH, MA 

290,921 5 90270 09/09/2002 20021448 

Southbridge Savings Bank

SOUTHBRIDGE, MA 

312,125 23524 Woronoco Savings Bank 

WESTFIELD, MA 

12,899 2 90301 12/04/2002 20022622 

The Harbor Bank of Maryland

BALTIMORE, MD 

186,586 24015 Carrollton Bank

BALTIMORE, MD 

24,600 1 12433 04/10/2002 20020544 

Independent Bank

BAY CITY, MI 

917,352 27811 Northwestern Savings Bank & Trust 

TRAVERSE CITY, MI 

15,220 1 30792 09/25/2002 20022045 

Northwestern Savings Bank & Trust

TRAVERSE CITY, MI 

437,619 30792 Standard Federal Bank National 

Association

TROY, MI 

81,559 6 22488 06/24/2002 20021067 

Regular Mergers (Page 3 of 8, of 145 records) 

Data Date(s) 01/01/2002 to 12/31/2002 
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

Application 

Number

First Independent Bank

RUSSELL, MN 

72,814 1900 United Prairie Bank-Slayton

SLAYTON, MN 

17,000 1 22121 02/27/2002 20020067 

BTC Bank

BETHANY, MO 

121,010 10618 First Bank of Missouri 

GLADSTONE, MO 

11,833 1 18815 12/16/2002 20022443 

Peoples Community State Bank

DONIPHAN, MO 

62,523 23115 Town & Country Bank 

SALEM, MO 

12,000 1 13071 10/16/2002 20022235 

Central Bank of Kansas City

KANSAS CITY, MO 

75,387 17009 Horizon National Bank

LEAWOOD, KS 

34,689 3 35014 05/23/2002 20020883 

Heritage State Bank

NEVADA, MO 

61,726 12617 Union Planters Bank, National 

Association 

MEMPHIS, TN 

50,000 1 4979 08/22/2002 20021648 

The Citizens Bank of Philadelphia

PHILADELPHIA, MS 

426,685 12204 Citizens Bank and Trust Company

LOUISVILLE, MS 

69,738 3 16536 04/23/2002 20020584 

BancorpSouth Bank

TUPELO, MS 

9,392,854 11813 Pinnacle Bank

LITTLE ROCK, AR 

127,856 2 34408 02/12/2002 20013021 

Randolph Bank & Trust Company

ASHEBORO, NC 

194,246 22746 The Morris Plan Savings Bank, Inc., SSB 

BURLINGTON, NC 

40,623 1 9837 02/25/2002 20020111 

Yadkin Valley Bank and Trust Co.

ELKIN, NC 

363,751 19861 Piedmont Bank 

STATESVILLE, NC 

241,018 6 34437 07/12/2002 20021036 

Yadkin Valley Bank and Trust Co.

ELKIN, NC 

363,751 19861 Main Street Bankshares, Inc. 

STATESVILLE, NC 

 0 0 0 07/12/2002 20021613 

First Gaston Bank of North Carolina

GASTONIA, NC 

151,843 34041 RBC Centura Bank 

ROCKY MOUNT, NC 

8,926 1 33184 10/16/2002 20022161 

Southern Bank and Trust Company

MOUNT OLIVE, NC 

837,515 15359 RBC Centura Bank 

ROCKY MOUNT, NC 

24,500 1 33184 09/25/2002 20021883 

First-Citizens Bank & Trust Company

RALEIGH, NC 

10,766,032 11063 RBC Centura Bank 

ROCKY MOUNT, NC 

30,497 2 33184 10/23/2002 20021679 

RBC Centura Bank

ROCKY MOUNT, NC 

13,795,561 33184 Eagle Bancshares, Inc. 

TUCKER, GA 

1,140,000 15 0 06/26/2002 20020969 

RBC Centura Bank

ROCKY MOUNT, NC 

15,461,667 33184 Admiralty Bancorp, Inc. 

PALM BEACH GARDENS, FL 

595,542 10 0 12/19/2002 20023079 

Bank of North Carolina

THOMASVILLE, NC 

210,124 33527 Independence Bank

KERNERSVILLE, NC 

55,447 2 34510 05/29/2002 20020364 

First Bank

TROY, NC 

1,148,931 15019 RBC Centura Bank 

ROCKY MOUNT, NC 

10,502 1 33184 07/16/2002 20021168 

First Bank

TROY, NC 

1,202,063 15019 Carolina Community Bank, National 

Association 

LATTA, SC 

67,239 3 11537 11/25/2002 20022259 

Branch Banking and Trust Company

WINSTON SALEM, NC 

62,942,031 9846 Equitable Bank 

WHEATON, MD 

460,390 5 31606 12/24/2002 20022882 

First Bank & Trust Company

COZAD, NE 

82,054 5394 The First National Bank of Otis 

OTIS, CO 

24,673 1 3046 08/28/2002 20021811 

Regular Mergers (Page 4 of 8, of 145 records) 

Data Date(s) 01/01/2002 to 12/31/2002 
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

Application 

Number

Great Western Bank

OMAHA, NE 

775,554 8327 Peoples Bank 

OVERLAND PARK, KS 

27,443 1 33960 11/21/2002 20022598 

Oritani Savings Bank

HACKENSACK, NJ 

698,914 28866 Hamilton Savings Bank 

UNION CITY, NJ 

124,951 3 30145 02/19/2002 20013026 

The Provident Bank

JERSEY CITY, NJ 

3,095,645 12010 Pamrapo Savings Bank, SLA 

BAYONNE, NJ 

22,084 2 30579 07/11/2002 20021287 

The Trust Company of New Jersey

JERSEY CITY, NJ 

4,062,587 12525 New York Community Bank

WESTBURY, NY 

76,466 7 16022 04/15/2002 20013027 

Parke Bank

SEWELL, NJ 

81,955 34888 Berean Bank

PHILADELPHIA, PA 

3,960 1 29133 04/15/2002 20020534 

First State Bank

SOCORRO, NM 

70,293 16600 State National Bank 

O BRIEN, TX 

6,060 1 21724 12/20/2002 20022388 

Bank of Nevada

LAS VEGAS, NV 

53,552 57035 Mesquite State Bank

MESQUITE, NV 

50,510 1 34274 03/27/2002 20020455 

Bank of Nevada

LAS VEGAS, NV 

53,552 57035 Mesquite Financial Corporation

MESQUITE, NV 

4,034 0 0 03/27/2002 20020715 

Hudson River Bank & Trust Company

HUDSON, NY 

1,924,116 15968 Mohawk Community Bank

AMSTERDAM, NY 

704,658 17 15954 01/17/2002 20012816 

Union State Bank

NANUET, NY 

2,040,217 20119 Fourth Federal Savings Bank 

NEW YORK, NY 

18,670 1 29147 08/16/2002 20021668 

Atlantic Bank of New York

NEW YORK, NY 

1,985,825 5915 The Yonkers Savings and Loan 

Association, FA

YONKERS, NY 

577,739 6 29248 03/28/2002 20020386 

The Oneida Savings Bank

ONEIDA, NY 

349,935 15975 State Bank of Chittenango

CHITTENANGO, NY 

65,091 2 12940 04/16/2002 20020351 

Pathfinder Commercial Bank

OSWEGO, NY 

2,500 0 PathFinder Bank 

OSWEGO, NY 

257,270 1 15977 10/10/2002 20022563 

PathFinder Bank

OSWEGO, NY 

257,270 15977 Cayuga Bank 

AUBURN, NY 

24,880 1 15956 10/10/2002 20021709 

Northfield Savings Bank

STATEN ISLAND, NY 

1,031,360 28710 Liberty Bank 

AVENEL, NJ 

345,139 8 28522 10/28/2002 20021971 

Oak Hill Banks

JACKSON, OH 

581,490 10666 Towne Bank 

CINCINNATI, OH 

236,306 8 28009 10/30/2002 20022435 

American Savings Bank, fsb

PORTSMOUTH, OH 

137,509 29597 Waverly Building and Loan Company

WAVERLY, OH 

6,611 1 30093 06/06/2002 20020766 

Sky Bank

SALINEVILLE, OH 

8,720,866 5982 Sky Technology Resources, Inc.

BOWLING GREEN, OH 

14,291 1 0 03/26/2002 20020373 

The Guernsey Bank

WORTHINGTON, OH 

8,000 57413 The Guernsey Bank, f.s.b.

CAMBRIDGE, OH 

47,020 1 28492 05/29/2002 20020768 

Bank of Commerce

DUNCAN, OK 

5,450 57491 NBanC 

TULSA, OK 

36,297 1 4032 11/12/2002 20021921 

Regular Mergers (Page 5 of 8, of 145 records) 

Data Date(s) 01/01/2002 to 12/31/2002 
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

Application 

Number

First State Bank

GRANDFIELD, OK 

16,851 9467 Bank 2 

OKLAHOMA CITY, OK 

6,989 1 11521 09/12/2002 20021800 

Armstrong Bank

MUSKOGEE, OK 

257,589 2315 First State Bank 

TAHLEQUAH, OK 

2,046 1 22448 10/01/2002 20022117 

Umpqua Bank

ROSEBURG, OR 

1,482,283 17266 Centennial Bank 

EUGENE, OR 

819,364 20 22493 10/30/2002 20022217 

Brentwood Bank

BETHEL PARK, PA 

293,954 27943 Pittsburgh Savings Bank 

PITTSBURGH, PA 

7,200 1 30197 10/17/2002 20022366 

The Legacy Bank of Harrisburg

HARRISBURG, PA 

117,632 35204 Northern State Bank 

TOWANDA, PA 

79,370 2 35210 11/15/2002 20022382 

S&T Bank

INDIANA, PA 

2,226,333 11124 PFC Bank 

FORD CITY, PA 

331,377 6 6038 08/22/2002 20021040 

Minersville Safe Deposit B & T Co.

MINERSVILLE, PA 

59,995 15145 Community Banks 

EAST BERLIN, PA 

15,000 2 12984 03/30/2002 20020511 

Standard Bank, PaSB

MURRYSVILLE, PA 

270,961 27757 Commercial National Bank of 

Pennsylvania 

LATROBE, PA 

6,091 2 14333 09/12/2002 20021923 

Royal Bank of Pennsylvania

NARBERTH, PA 

1,043,906 18962 The Bank 

WOODBURY, NJ 

506 1 27614 07/31/2002 20021372 

Citizens Bank of Pennsylvania

PHILADELPHIA, PA 

17,713,610 57282 Mellon Bank, National Association 

PITTSBURGH, PA 

25,000 1 7946 07/25/2002 20021473 

Citizens Bank of Pennsylvania

PHILADELPHIA, PA 

18,314,574 57282 Commonwealth Bank 

NORRISTOWN, PA 

1,762,517 61 30024 12/04/2002 20022511 

Fidelity Savings Bank

PITTSBURGH, PA 

601,603 28038 First Pennsylvania Savings Association 

PITTSBURGH, PA 

26,699 1 30212 12/13/2002 20022570 

Northwest Savings Bank

WARREN, PA 

4,005,354 28178 Prestige Bank, A Federal Savings Bank 

PITTSBURGH, PA 

194,786 4 29455 07/31/2002 20020841 

Eurobank

HATO REY, PR 

753,787 27150 Banco Financiero de Puerto Rico 

PONCE, PR 

89,295 1 22302 11/26/2002 20022458 

R-G Premier Bank of Puerto Rico

HATO REY, PR 

3,993,311 32185 Citibank, National Association 

NEW YORK, NY 

11,800 0 7213 08/15/2002 20021631 

FIRSTBANK OF PUERTO RICO

SANTURCE, PR 

8,429,207 30387 JPMorgan Chase Bank 

NEW YORK, NY 

684,187 7 628 09/27/2002 20021012 

The Washington Trust Company 

WESTERLY, RI 

1,356,833 23623 First Bank and Trust Company

PROVIDENCE, RI 

184,581 3 20615 03/21/2002 20020176 

First-Citizens Bank and Trust Company 

COLUMBIA, SC 

3,572,549 15504 RBC Centura Bank 

ROCKY MOUNT, NC 

16,373 1 33184 09/16/2002 20021861 

First-Citizens Bank and Trust Company 

COLUMBIA, SC 

3,572,549 15504 RBC Centura Bank 

ROCKY MOUNT, NC 

8,449 1 33184 11/08/2002 20021913 

Carolina First Bank

GREENVILLE, SC 

5,407,021 26849 Rock Hill Bank & Trust 

ROCK HILL, SC 

250,575 3 34177 10/10/2002 20022250 

Regular Mergers (Page 6 of 8, of 145 records) 

Data Date(s) 01/01/2002 to 12/31/2002 
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

Application 

Number

Plains Commerce Bank

HOVEN, SD 

144,012 1678 Marquette Bank, National Association

ROGERS, MN 

41,509 1 17373 03/29/2002 20020353 

F&M Bank

WATERTOWN, SD 

437,135 15289 First Western Bank, National Association

ATKINSON, NE 

62,375 1 5378 02/05/2002 20012825 

F&M Bank

WATERTOWN, SD 

437,135 15289 Marquette Bank Nebraska, National 

Association

ONEILL, NE 

48,365 1 5458 02/05/2002 20012826 

The Weakley County Bank

DRESDEN, TN 

60,124 1479 Planters Bank, Inc. 

HOPKINSVILLE, KY 

99,566 4 34254 11/15/2002 20021892 

The Weakley County Bank 

DRESDEN, TN 

60,124 1479 Northwest Georgia Bank 

RINGGOLD, GA 

140,781 6 9246 11/15/2002 20021935 

The Weakley County Bank

DRESDEN, TN 

60,124 1479 Farmers Bank and Trust Company 

BLYTHEVILLE, AR 

279,740 8 1027 11/15/2002 20022445 

Citizens Tri-County Bank

DUNLAP, TN 

238,171 20818 Union Planters Bank, National 

Association 

MEMPHIS, TN 

28,000 2 4979 11/27/2002 20022452 

First National Bank of the Cumberlands

LIVINGSTON, TN 

305,856 19502 First Holding Company 

LIVINGSTON, TN 

 0 0 0 05/17/2002 20020790 

Patriot Bank

MILLINGTON, TN 

0 57416 Security Bank 

NEWBERN, TN 

19,741 1 2391 09/23/2002 20021077 

Texas Bank

BROWNWOOD, TX 

150,906 19559 State National Bank of West Texas

LUBBOCK, TX 

6,967 1 34336 06/14/2002 20021039 

Capital Bank of Texas

CARRIZO SPRINGS, TX 

0 57495 Sterling Bank 

HOUSTON, TX 

35,477 3 21726 12/10/2002 20022051 

Northstar Bank of Texas

DENTON, TX 

130,445 20935 Jefferson Heritage Bank

DENTON, TX 

15,700 1 30292 02/12/2002 20013050 

Prosperity Bank

EL CAMPO, TX 

1,285,372 16835 Paradigm Bank Texas 

HOUSTON, TX 

255,888 13 23168 08/07/2002 20021346 

Prosperity Bank

EL CAMPO, TX 

1,355,914 16835 First National Bank of Bay City 

BAY CITY, TX 

26,873 1 34448 10/16/2002 20022291 

Prosperity Bank

EL CAMPO, TX 

1,258,248 16835 Texas Guaranty Bank, National 

Association

HOUSTON, TX 

82,204 3 25739 04/22/2002 20020538 

Prosperity Bank

EL CAMPO, TX 

1,285,372 16835 The First State Bank

NEEDVILLE, TX 

17,316 1 11930 06/27/2002 20021107 

State Bank

LA GRANGE, TX 

457,582 10346 First Federal Savings Bank 

BRYAN, TX 

81,715 3 31470 06/25/2002 20020676 

First State Bank Central Texas

TEMPLE, TX 

404,629 11151 Coastal Banc, S.S.B. 

HOUSTON, TX 

80,419 5 30757 11/27/2002 20022587 

First State Bank Central Texas

TEMPLE, TX 

359,166 11151 First Bank of Texas

TOMBALL, TX 

21,581 1 23883 01/14/2002 20012863 

First Community Bank of Washington

LACEY, WA 

371,299 22868 Harbor Bank, National Association 

GIG HARBOR, WA 

80,392 2 34405 09/16/2002 20022087 

Regular Mergers (Page 7 of 8, of 145 records) 

Data Date(s) 01/01/2002 to 12/31/2002 
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

Application 

Number

Pacific Northwest Bank

OAK HARBOR, WA 

2,833,153 30887 Bank of the Northwest 

PORTLAND, OR 

353,801 5 34247 10/28/2002 20022260 

State Bank of Cross Plains

CROSS PLAINS, WI 

248,786 15091 Bank of Waunakee

WAUNAKEE, WI 

103,141 1 10744 07/16/2002 20021073 

Lincoln State Bank

MILWAUKEE, WI 

215,547 13028 Lincoln Community Bank

MILWAUKEE, WI 

110,218 2 29939 02/04/2002 20012970 

S & C Bank

NEW RICHMOND, WI 

305,614 14800 Wisconsin Community Bank 

COTTAGE GROVE, WI 

29,623 1 13023 11/29/2002 20022606 

Waumandee State Bank

WAUMANDEE, WI 

26,665 10384 Wisconsin State Bank 

RANDOM LAKE, WI 

7,724 1 15131 12/20/2002 20022795 

Regular Mergers (Page 8 of 8, of 145 records) 

Data Date(s) 01/01/2002 to 12/31/2002 
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

Application 

Number

First State Bank of Bibb County

WEST BLOCTON, AL 

45,537 19440 First Federal Savings Bank

BESSEMER, AL 

141,379 5 29798 02/25/2002 20020020 

Cerritos Valley Bank

ARTESIA, CA 

99,178 20042 Cerritos Valley Bancorp

SAN FRANCISCO, CA 

6,415 0 0 03/07/2002 20012953 

Humboldt Bank

EUREKA, CA 

514,945 27582 Tehama Bank

RED BLUFF, CA 

266,657 5 25594 04/18/2002 20020473 

Humboldt Bank

EUREKA, CA 

514,945 27582 Capitol Valley Bank

ROSEVILLE, CA 

76,893 11 35124 04/18/2002 20020481 

Gateway Business Bank

LAKEWOOD, CA 

128,692 34250 Mission Hills Mortgage Corporation 

SANTA ANA, CA 

1 1 0 08/13/2002 20021614 

Citibank, Federal Savings Bank

SAN FRANCISCO, CA 

31,282,844 28251 Citibank International 

FORT LAUDERDALE, FL 

1,237 2 0 02/15/2002 20012675 

Citibank, Federal Savings Bank

SAN FRANCISCO, CA 

31,282,844 28251 Citibank, National Association 

NEW YORK, NY 

1,000,000 0 7213 02/15/2002 20012676 

Union Bank of California, N.A.

SAN FRANCISCO, CA 

35,614,885 22826 Copper Mountain Trust Corporation 

PORTLAND, OR 

1 1 91103 11/19/2002 20022553 

Central California Bank

SONORA, CA 

68,053 57372 Western Sierra National Bank 

CAMERON PARK, CA 

84,587 5 24903 07/15/2002 20021281 

Sunwest Bank

TUSTIN, CA 

230,218 20164 West Coast Bancorp 

TUSTIN, CA 

25,000 0 0 01/11/2002 20012061 

Western Union Bank

GREENWOOD VILLAGE, CO 

3,591 90017 First Financial Bank 

ATLANTA, GA 

226,788 1 33800 12/04/2002 20022679 

Peoples Bank

LEADVILLE, CO 

101,870 16409 Peoples National Bank 

COLORADO SPRINGS, CO 

117,516 6 22211 12/30/2002 20022890 

The First National Bank of Longmont

LONGMONT, CO 

308,064 3038 FNB Mortgage Company

LONGMONT, CO 

50 1 0 04/05/2002 20020448 

The Home State Bank

LOVELAND, CO 

224,391 16902 American Bank 

LOVELAND, CO 

132,691 2 21614 08/15/2002 20021570 

Mellon Bank Delaware, N.A.

WILMINGTON, DE 

154,542 11653 Wilprop, Inc., and The Shelter Group, Inc. 

WILMINGTON, DE 

1 1 0 08/19/2002 20021628 

Southern Community Bank of S. FL 

BOCA RATON, FL 

0 57356 Southern Community Bank

ORLANDO, FL 

55,000 1 34828 07/17/2002 20021219 

Commercebank, National Association

CORAL GABLES, FL 

2,685,002 22953 Banco Mercantil, C.A. (Banco Universal) 

Coral Gables Agency 

CORAL GABLES, FL 

106,928 0 0 10/11/2002 20022193 

Banco Mercantil, C.A. (Banco Universal) 

New York Agency 

NEW YORK, NY 

106,929 0 0 10/11/2002 20022193

United Community Bank

BLAIRSVILLE, GA 

1,040,492 16889 United Community Bank North Georgia 

BLUE RIDGE, GA 

351,510 4 26733 10/28/2002 20022292 

United Community Bank

BLAIRSVILLE, GA 

1,040,492 16889 Towns County Bank (n/k/a United 

Community Bank Towns County) 

HIAWASSEE, GA 

109,620 1 26642 10/28/2002 20022293 

Corporate Reorganization Mergers (Page 1 of 6, of 116 records) 

Data Date(s) 01/01/2002 to 12/31/2002 
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

Application 

Number

United Community Bank

BLAIRSVILLE, GA 

1,040,492 16889 White County Bank (n/k/a United 

Community Bank White County) 

CLEVELAND, GA 

204,697 2 22357 10/28/2002 20022294 

United Community Bank

BLAIRSVILLE, GA 

1,040,492 16889 United Community Bank Metro 

MARIETTA, GA 

211,443 5 32735 10/28/2002 20022295 

United Community Bank

BLAIRSVILLE, GA 

1,040,492 16889 First Clayton Bank & Trust Company 

(n/k/a United Community Bank Rabun 

County) 

CLAYTON, GA 

143,891 1 32837 10/28/2002 20022296 

United Community Bank

BLAIRSVILLE, GA 

1,040,492 16889 Dawson County Bank (n/k/a United 

Community Bank Dawson County) 

DAWSONVILLE, GA 

144,777 3 17263 10/28/2002 20022297 

United Community Bank

BLAIRSVILLE, GA 

1,040,492 16889 Peoples Bank of West Georgia (n/k/a 

United Community Bank West Georgia) 

CARROLLTON, GA 

127,438 4 34298 10/28/2002 20022298 

First State Bank of Blakely

BLAKELY, GA 

86,535 15496 First State Bank of Donalsonville 

DONALSONVILLE, GA 

80,722 3 29365 08/30/2002 20021748 

First Bank of Gwinnett

LAWRENCEVILLE, GA 

142,695 35390 Embry Bank 

LAWRENCEVILLE, GA 

109,331 1 27124 07/18/2002 20021003 

Jordan Banking Company

LEARY, GA 

10,783 19554 Horizon Mortgage Lending, Inc. 

STOCKBRIDGE, GA 

1,955 0 0 08/23/2002 20021535 

Burlington Bank and Trust

BURLINGTON, IA 

150,268 11760 Southeast Security Bank 

MEDIAPOLIS, IA 

29,522 1 34379 07/25/2002 20021402 

Farmers & Merchants Bank & Trust

BURLINGTON, IA 

173,034 13737 West Burlington Bank 

WEST BURLINGTON, IA 

58,560 2 12129 10/28/2002 20022401 

Citizens State Bank

MONTICELLO, IA 

133,771 9047 Union Bank and Trust Company 

STRAWBERRY POINT, IA 

41,932 1 1856 12/13/2002 20023063 

BankIllinois

CHAMPAIGN, IL 

634,845 10842 First Trust Bank of Shelbyville

SHELBYVILLE, IL 

76,736 2 10082 05/20/2002 20020845 

Bank One, National Association

CHICAGO, IL 

183,869,000 3618 Texas Asset Acquisition Corp 

DALLAS, TX 

1 0 0 10/21/2002 20022351 

State Bank Winslow-Warren

WINSLOW, IL 

43,110 10791 Orangeville Community Bank 

ORANGEVILLE, IL 

28,902 1 17701 02/27/2002 20020174 

Community Bank of Southern Indiana

NEW ALBANY, IN 

281,274 28915 Heritage Bank of Southern Indiana

JEFFERSONVILLE, IN 

87,172 2 34117 02/19/2002 20020049 

Security Bank of Kansas City

KANSAS CITY, KS 

391,021 4705 Guaranty Bank & Trust

KANSAS CITY, KS 

196,466 4 5827 06/18/2002 20021057 

The First State Bank of Kansas City 

KANSAS CITY, KS 

70,282 12426 The Lawrence Bank 

LAWRENCE, KS 

29,762 2 35292 11/14/2002 20022493 

Kanza Bank

KINGMAN, KS 

96,114 13157 The Citizens National Bank & Trust Co. 

ANTHONY, KS 

35,399 1 4615 09/16/2002 20021998 

Emprise Bank

WICHITA, KS 

489,094 4789 Emprise Bank

POTWIN, KS 

15,048 1 17212 01/23/2002 20020025 

Edmonton State Bank

GLASGOW, KY 

177,966 9678 Peoples Bank of Tompkinsville

TOMPKINSVILLE, KY 

60,786 3 8134 04/29/2002 20020412 

Corporate Reorganization Mergers (Page 2 of 6, of 116 records) 

Data Date(s) 01/01/2002 to 12/31/2002 
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

Application 

Number

Shelby County Trust Bank

SHELBYVILLE, KY 

205,689 10146 Commonwealth Bank and Trust Company 

LOUISVILLE, KY 

305,755 6 33243 03/25/2002 20020352 

The Monticello Banking Company

SOMERSET, KY 

231,699 292 Bank of Clinton County, Inc. 

ALBANY, KY 

40,778 1 21015 08/07/2002 20021556 

Kaplan State Bank

KAPLAN, LA 

80,843 8143 Coastal Commerce Bancshares, Inc

KAPLAN, LA 

11,396 1 0 04/12/2002 20020545 

Horizons Bank

MONROE, LA 

130,904 34794 American Bank National Association 

RUSTON, LA 

101,349 4 24678 07/24/2002 20021341 

Eastern Bank

LYNN, MA 

4,139,738 32773 Eastern Bank and Trust Company 

SALEM, MA 

12,049 1 28 11/07/2002 20022213 

South Coast Interim Stock Bank

ROCKLAND, MA 

10,000 0 South Coastal Bank

ROCKLAND, MA 

139,757 4 23345 05/20/2002 20020423 

Williamstown Interim Savings Bank

WILLIAMSTOWN, MA 

500 0 Williamstown Savings Bank

WILLIAMSTOWN, MA 

151,442 1 23299 02/15/2002 20012372 

Mercantile-Safe Deposit and Trust Co.

BALTIMORE, MD 

3,929,572 20347 The Sparks State Bank

SPARKS, MD 

259,930 4 5868 03/05/2002 20020184 

Calvin B. Taylor Banking Company 

BERLIN, MD 

328,765 5874 Calvin B. Taylor Bank of Delaware 

OCEAN VIEW, DE 

14,626 1 34567 09/05/2002 20021862 

United Bank & Trust-Washtenaw

ANN ARBOR, MI 

49,859 57133 United Bank & Trust 

TECUMSEH, MI 

70,250 3 13177 12/10/2002 20023005 

Macatawa Bank

ZEELAND, MI 

800,415 34618 Grand Bank 

GRAND RAPIDS, MI 

313,388 1 27035 12/09/2002 20022722 

21st Century Bank - North

HAM LAKE, MN 

110,595 9751 21st Century Bank 

ROGERS, MN 

51,818 2 8841 10/09/2002 20022062 

The American Bank of Nashwauk

NASHWAUK, MN 

123,026 5216 American Bank of the North

GRAND RAPIDS, MN 

97,854 5 10954 03/25/2002 20020292 

The American Bank of Nashwauk

NASHWAUK, MN 

123,026 5216 Mountain Iron First State Bank

MOUNTAIN IRON, MN 

82,360 4 1928 03/25/2002 20020294 

ProGrowth Bank

NICOLLET, MN 

55,408 8536 Citizens State Bank of Gaylord

GAYLORD, MN 

54,890 1 1400 05/28/2002 20020735 

First Commercial Bank

GIDEON, MO 

44,788 10621 First Commercial Bank of Southeast 

Missouri

CHAFFEE, MO 

44,117 4 15528 05/07/2002 20020648 

First Bank of Missouri

GLADSTONE, MO 

320,928 18815 Security Bank of Kansas City

KANSAS CITY, KS 

68,647 3 4705 06/18/2002 20021058 

The Nodaway Valley Bank

MARYVILLE, MO 

375,318 8904 The Heritage Bank of St. Joseph 

ST. JOSEPH, MO 

162,470 4 26237 12/20/2002 20022877 

Allegiant Bank

SAINT LOUIS, MO 

2,006,210 1078 State Bank of Jefferson County 

DE SOTO, MO 

88,142 3 19770 09/26/2002 20022101 

Allegiant Bank

SAINT LOUIS, MO 

1,902,010 1078 The Bank of St. Charles County

SAINT CHARLES, MO 

69,373 2 24866 04/09/2002 20020321 

Corporate Reorganization Mergers (Page 3 of 6, of 116 records) 

Data Date(s) 01/01/2002 to 12/31/2002 
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

Application 

Number

State Bank & Trust Company

CLEVELAND, MS 

475,446 8878 Mississippi Southern Bank 

PORT GIBSON, MS 

45,990 3 8551 12/05/2002 20022562 

Century Bank

LUCEDALE, MS 

148,601 11448 Mobile County Bank

GRAND BAY, AL 

40,285 3 26343 05/24/2002 20020893 

Flathead Bank of Bigfork, Montana

BIGFORK, MT 

77,541 20382 Valley Bank of Belgrade 

BELGRADE, MT 

52,724 2 15276 10/08/2002 20022142 

First Security Bank

BOZEMAN, MT 

291,852 1520 First State Bank of Fort Benton

FORT BENTON, MT 

76,693 1 1975 06/07/2002 20020733 

Bank of America, National Association

CHARLOTTE, NC 

562,116,000 3510 BA Merchant Services, Inc. 

SAN FRANCISCO, CA 

493,925 0 0 11/15/2002 20022497 

Wachovia Bank, National Association

CHARLOTTE, NC 

301,645,000 33869 OFFITBANK 

NEW YORK, NY 

116,744 0 0 12/06/2002 20022641 

Catawba Valley Bank

HICKORY, NC 

231,118 34083 Northwestern National Bank 

WILKESBORO, NC 

144,688 6 33546 11/25/2002 20022090 

Capital Bank

RALEIGH, NC 

643,722 34452 High Street Banking Company 

ASHEVILLE, NC 

165,212 3 34472 10/11/2002 20022125 

Capital Bank

RALEIGH, NC 

390,744 34452 Community Savings Bank, SSB

BURLINGTON, NC 

212,562 3 29062 03/06/2002 20020161 

Branch Banking and Trust Company

WINSTON SALEM, NC 

55,339,547 9846 Area Trust Company 

OWENSBORO, KY 

1 1 14876 05/24/2002 20020617 

Branch Banking and Trust Company

WINSTON SALEM, NC 

55,339,547 9846 Bank of Louisville 

LOUISVILLE, KY 

1,881,246 29 8778 07/03/2002 20021144 

Branch Banking and Trust Company

WINSTON SALEM, NC 

58,155,892 9846 First South Bank 

TALLAHASSEE, FL 

1,454,612 14 32570 10/25/2002 20022052 

Branch Banking and Trust Company

WINSTON SALEM, NC 

53,798,993 9846 F & M Bank-West Virginia, Inc.

RANSON, WV 

295,041 5 16804 01/18/2002 20012720 

Branch Banking and Trust Company

WINSTON SALEM, NC 

53,798,993 9846 F&M Bank - Maryland, Inc.

BETHESDA, MD 

246,192 12 26984 01/24/2002 20012722 

Branch Banking and Trust Company

WINSTON SALEM, NC 

54,700,008 9846 Community First Bank

CARROLLTON, GA 

566,078 9 27887 03/04/2002 20020146 

Branch Banking and Trust Company

WINSTON SALEM, NC 

55,339,547 9846 Area Bank

OWENSBORO, KY 

2,614,282 64 18478 05/24/2002 20020618 

Branch Banking and Trust Company

WINSTON SALEM, NC 

55,339,547 9846 The Vine Street Trust Company

OWENSBORO, KY 

312,314 5 27375 05/24/2002 20020619 

Farmers State Bank of Nebraska

BENNET, NE 

41,741 34053 First State Bank of Nebraska 

NEBRASKA CITY, NE 

4,026 1 57042 08/05/2002 20021563 

Geneva State Bank

GENEVA, NE 

117,623 18740 Grafton State Bank 

GRAFTON, NE 

10,909 1 11468 08/13/2002 20021571 

Bank of Norfolk

NORFOLK, NE 

116,490 20130 Columbus FSB 

COLUMBUS, NE 

94,849 2 29775 09/24/2002 20021725 

Corporate Reorganization Mergers (Page 4 of 6, of 116 records) 

Data Date(s) 01/01/2002 to 12/31/2002 
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

Application 

Number

Heritage Bank

WOOD RIVER, NE 

206,630 17145 Heritage Bank, National Association 

DONIPHAN, NE 

4,985 1 57106 10/11/2002 20022210 

The Bank

WOODBURY, NJ 

479,849 27614 Woodstown National Bank 

WOODSTOWN, NJ 

473,461 16 6514 11/14/2002 20022486 

HSBC Bank USA

BUFFALO, NY 

84,721,314 589 HSBC Bank Canada

PORTLAND, OR 

345,626 2 0 03/12/2002 20020159 

Bank Leumi USA

NEW YORK, NY 

4,082,237 19842 Bank Leumi le-Israel B.M. - Miami 

Agency

MIAMI, FL 

222,328 1 0 06/07/2002 20020922 

Chohung Bank of New York

NEW YORK, NY 

116,503 33188 California Chohung Bank 

LOS ANGELES, CA 

129,112 1 27338 05/21/2002 20020001 

Israel Discount Bank of New York

NEW YORK, NY 

5,838,011 19977 Israel Discount Bank, Limited, Miami 

Agency

AVENTURA, FL 

225,589 1 0 01/14/2002 20012639 

Wyoming County Bank

WARSAW, NY 

554,574 13298 The Pavilion State Bank 

PAVILION, NY 

76,000 3 8915 09/13/2002 20021757 

Fifth Third Bank

CINCINNATI, OH 

41,623,010 6672 USB, Inc. 

MILWAUKEE, WI 

254,038 1 0 12/04/2002 20022638 

The Provident Bank

CINCINNATI, OH 

15,647,881 744 Provident Investment Management 

Corporation (PIMCO) 

CINCINNATI, OH 

5,981 0 0 10/17/2002 20022357 

U.S. Bank National Association

CINCINNATI, OH 

167,768,370 6548 U.S. Bancorp Boulevard, Inc. 

WILMINGTON, DE 

192 0 0 12/19/2002 20022569 

Bank One, National Association

COLUMBUS, OH 

52,462,000 6559 Banc One Services Corporation 

COLUMBUS, OH 

351,897 1 0 09/27/2002 20022033 

The Huntington National Bank

COLUMBUS, OH 

25,110,798 6560 The Huntington Mortgage Company 

COLUMBUS, OH 

881,573 1 0 12/09/2002 20022727 

Washita State Bank

BURNS FLAT, OK 

8,652 22430 Washita Bancshares, Inc 

BURNS FLAT, OK 

 0 0 0 12/11/2002 20022592 

Community Bank

JOSEPH, OR 

206,244 17445 Community State Savings Bank 

WALLA WALLA, WA 

 0 1 57490 10/30/2002 20021909 

HSBC Oregon Shell Bank

PORTLAND, OR 

1,500 0 HSBC Bank Canada 

PORTLAND, OR 

68,685 1 0 09/24/2002 20022205 

First Commonwealth Bank

INDIANA, PA 

3,497,962 7468 Southwest Bank 

GREENSBURG, PA 

1,005,128 15 7979 07/08/2002 20021050 

Sovereign Bank

WYOMISSING, PA 

35,102,061 29950 Sovereign Trust Company

LAKEHURST, NJ 

3,649 1 33208 03/18/2002 20020301 

Eurobank

HATO REY, PR 

607,705 27150 Euro Interim Company 

HATO REY, PR 

1 0 0 03/15/2002 20020253 

Wells Fargo Bank South Dakota, N. A.

SIOUX FALLS, SD 

8,657,249 15277 Marquette Trust Company of South 

Dakota, National Association 

SIOUX FALLS, SD 

290 1 57326 09/17/2002 20022005 

Prosperity Bank

EL CAMPO, TX 

1,684,464 16835 Bank of the Southwest of Dallas 

DALLAS, TX 

121,867 2 19258 12/16/2002 20022744 

Corporate Reorganization Mergers (Page 5 of 6, of 116 records) 

Data Date(s) 01/01/2002 to 12/31/2002 
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

Application 

Number

Sterling Bank

HOUSTON, TX 

2,633,219 21726 Eagle National Bank 

DALLAS, TX 

66,607 1 34265 08/12/2002 20021546 

Sterling Bank

HOUSTON, TX 

2,478,923 21726 Community Bank, Katy, Tx.

KATY, TX 

156,141 2 24736 05/03/2002 20020490 

International Bank of Commerce

LAREDO, TX 

5,321,420 19629 Commerce Bank

LAREDO, TX 

3,350 1 23772 04/01/2002 20020441 

Branch Banking and Trust Co. of VA 

RICHMOND, VA 

6,560,727 22584 F & M Bank/Central Virginia 

CHARLOTTESVILLE, VA 

216,082 11 21205 02/05/2002 20012726 

Branch Banking and Trust Co. of VA

RICHMOND, VA 

6,560,727 22584 F & M Bank - Northern Virginia

FAIRFAX, VA 

962,666 30 25865 01/18/2002 20012719 

Branch Banking and Trust Co. of VA

RICHMOND, VA 

6,560,727 22584 F&M Bank-Emporia

EMPORIA, VA 

150,506 6 6838 02/05/2002 20012721 

Branch Banking and Trust Co. of VA

RICHMOND, VA 

6,560,727 22584 F & M Bank-Peoples

WARRENTON, VA 

156,037 4 6924 01/18/2002 20012723 

Branch Banking and Trust Co. of VA

RICHMOND, VA 

6,560,727 22584 F&M Bank-Winchester

WINCHESTER, VA 

1,164,552 33 6927 01/24/2002 20012724 

Branch Banking and Trust Co. of VA

RICHMOND, VA 

6,560,727 22584 F&M Bank- Atlantic

GLOUCESTER, VA 

403,703 15 27554 02/05/2002 20012725 

Branch Banking and Trust Co. of VA

RICHMOND, VA 

6,560,727 22584 F&M Bank-Massanutten

HARRISONBURG, VA 

274,681 9 22035 01/18/2002 20012727 

Branch Banking and Trust Co. of VA

RICHMOND, VA 

6,560,727 22584 F & M Bank-Richmond

RICHMOND, VA 

297,942 14 22390 01/24/2002 20012728 

Branch Banking and Trust Co. of VA

RICHMOND, VA 

6,560,727 22584 F&M Bank - Highlands

COVINGTON, VA 

173,562 3 22817 01/18/2002 20012729 

Branch Banking and Trust Co. of VA

RICHMOND, VA 

6,560,727 22584 F&M Trust Company

WINCHESTER, VA 

3,400 0 34737 02/05/2002 20013020 

HSBC Washington Savings Bank

SEATTLE, WA 

8,241 0 HSBC Bank Canada 

SEATTLE, WA 

238,169 1 0 09/24/2002 20022198 

Bank of Mondovi

MONDOVI, WI 

75,193 12511 Bank of Buffalo 

COCHRANE, WI 

40,116 2 15906 12/13/2002 20022352 

S & C Bank

NEW RICHMOND, WI 

282,610 14800 S&C Bank, Minnesota 

ALMELUND, MN 

27,202 3 57076 01/14/2002 20012734 

Corporate Reorganization Mergers (Page 6 of 6, of 116 records) 

Data Date(s) 01/01/2002 to 12/31/2002 
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

Application 

Number

NorCal Community Bancorp Merger Sub 

ALAMEDA, CA 

0 0 Bank of Alameda 

ALAMEDA, CA 

147,410 34577 06/12/2002 20021044 

Mission Bank

BAKERSFIELD, CA 

57,040 34805 Mission Merger Company 

BAKERSFIELD, CA 

30 0 05/23/2002 20020887 

Butte Community Bank

CHICO, CA 

271,031 33219 Butte Merger Company 

CHICO, CA 

1 0 05/31/2002 20020931 

California Center Bank

LOS ANGELES, CA 

603,218 26610 CCB Merger Corporation 

LOS ANGELES, CA 

1,000 0 08/08/2002 20021550 

GB Interim Bank

LOS ANGELES, CA 

2,099,519 0 Liberty Bank and Trust Company 

BOSTON, MA 

37,365 19485 02/13/2002 20012468 

Citizens Business Bank

ONTARIO, CA 

2,512,829 21716 Western Security Bancorp 

BURBANK, CA 

129,726 0 03/27/2002 20020249 

Plumas Bank

QUINCY, CA 

275,064 23275 Plumas Merger Company

QUINCY, CA 

1 0 04/26/2002 20020580 

Bank of Sacramento

SACRAMENTO, CA 

121,766 34713 Greater Sacramento Bancorp Merger 

Subsidiary, Inc. 

SACRAMENTO, CA 

1 0 10/28/2002 20022349 

LaSalle Interim Bank N. A.

SAN DIEGO, CA 

3,000 0 The Chicago Trust Company of CA 

SAN DIEGO, CA 

7,071 0 01/23/2002 20012802 

Harris Bank California, N.A.

SAN FRANCISCO, CA 

1 0 Harris Trust Company of California 

SAN FRANCISCO, CA 

8,754 0 10/15/2002 20022274 

Mission Acquisition Corporation

SANTA MONICA, CA 

0 0 Bank of Coronado 

CORONADO, CA 

77,251 23060 12/20/2002 20023173 

New CCB Bank

SONORA, CA 

1 0 Central California Bank

SONORA, CA 

77,354 34310 03/06/2002 20020031 

Pacific State Bank

STOCKTON, CA 

144,578 27090 PSB Merger Corporation

STOCKTON, CA 

1 0 06/07/2002 20021024 

Chinatrust Bank (U.S.A.)

TORRANCE, CA 

1,695,087 19416 Chinatrust Savings Bank of Washington 

(In Organization) 

SEATTLE, WA 

5,000 0 07/25/2002 20021282 

Bank of Visalia

VISALIA, CA 

104,700 34156 Valley Commerce Bancorp Merger 

Subsidiary, Inc. 

VISALIA, CA 

1 0 11/12/2002 20022439 

First Bank of Jacksonville

JACKSONVILLE, FL 

11,772 27573 First Jacksonville Merger Sub, Inc. 

JACKSONVILLE BEACH, FL 

 0 0 07/26/2002 20021544 

Community Interim Bank

LAKE MARY, FL 

0 0 Community National Bank of Mid-FL 

LAKE MARY, FL 

91,528 34994 08/19/2002 20021727 

United Interim Bank

ORLANDO, FL 

0 0 United Heritage Bank 

ORLANDO, FL 

103,005 57108 08/29/2002 20021506 

CenterState Interim Bank

WINTER HAVEN, FL 

0 0 CenterState Bank of Florida 

WINTER HAVEN, FL 

67,611 35313 10/04/2002 20022136 

Wheeler County State Bank

ALAMO, GA 

36,622 16228 Wheeler Interim, Inc. 

ALAMO, GA 

1 0 08/09/2002 20021497 

Interim Mergers (Page 1 of 3, of 60 records) 

Data Date(s) 01/01/2002 to 12/31/2002 
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

Application 

Number

GB&T Interim Bank

GAINESVILLE, GA 

0 0 Home Town Bank of Villa Rica 

VILLA RICA, GA 

109,236 34391 11/06/2002 20021926 

Republic Bank

ALGONQUIN, IL 

0 0 GreatBank 

ALGONQUIN, IL 

228,519 34027 12/23/2002 20022814 

Tri-County Interim Bank

BEECHER CITY, IL 

1 0 First State Bank of Beecher City 

BEECHER CITY, IL 

34,353 10871 07/26/2002 20021444 

PBG Interim Bank

CHICAGO, IL 

1 0 Pacific Global Bank 

CHICAGO, IL 

55,007 34089 03/04/2002 20020135 

Dunlap Bank

DUNLAP, IL 

45,303 1808 DB Interim Bank 

DUNLAP, IL 

1 0 11/29/2002 20022613 

1st State Bank of Mason City

MASON CITY, IL 

21,130 22543 Mason City State Bank 

MASON CITY, IL 

 0 0 01/10/2002 20012812 

First Interim Savings Bank of Rochelle

ROCHELLE, IL 

1 0 Lincoln State Bank, S.B. 

ROCHELLE, IL 

25,343 34856 02/14/2002 20012314 

Seaton Interim Bank

SEATON, IL 

1 0 State Bank of Seaton 

SEATON, IL 

10,670 11705 11/20/2002 20012938 

Republic Bank of Sterling

STERLING, IL 

1 0 Sauk Valley Bank & Trust Company

STERLING, IL 

89,878 35131 04/04/2002 20020413 

Bank of Lecompte

LECOMPTE, LA 

39,450 9318 Lecompte Interim Bank 

LECOMPTE, LA 

 0 0 10/09/2002 20021375 

Munising Interim State Bank

MUNISING, MI 

1 0 Peoples State Bank of Munising 

MUNISING, MI 

83,089 15165 01/01/2002 20012772 

Traverse City State Bank

TRAVERSE CITY, MI 

49,509 35350 TCSB Interim Bank 

TRAVERSE CITY, MI 

 0 0 02/08/2002 20020004 

Bank of Monticello

MONTICELLO, MO 

55,544 12232 Interim Monticello Bank 

MONTICELLO, MO 

50 0 08/27/2002 20021734 

Metuchen Savings Bank

METUCHEN, NJ 

186,110 30099 Metuchen Savings Bank 

METUCHEN, NJ 

1 0 02/19/2002 20011957 

First Bank of Central Jersey

NORTH BRUNSWICK, NJ 

57,504 34690 Synergy Interim Savings Bank 

CRANFORD, NJ 

 0 0 12/13/2002 20022807 

College Savings Bank

WEST WINDSOR, NJ 

320,559 27041 College Savings Interim Bank 

WEST WINDSOR, NJ 

5,000 0 04/22/2002 20020012 

North Fork Bank

MATTITUCK, NY 

19,913,136 15985 North Fork NJ Interim Bank 

JERSEY CITY, NJ 

6,000 0 09/13/2002 20021839 

Oswego County Savings Bank

OSWEGO, NY 

173,536 15978 Oswego County Interim Savings Bank I 

OSWEGO, NY 

 0 0 12/13/2002 20022369 

Oswego County Interim Savings Bank II 

OSWEGO, NY 

 0 0 12/13/2002 20022369

Oswego County Interim Savings Bank III 

OSWEGO, NY 

 0 0 12/13/2002 20022369

Interim Mergers (Page 2 of 3, of 60 records) 

Data Date(s) 01/01/2002 to 12/31/2002 
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

Application 

Number

The Clarksburg Commercial Bank

CLARKSBURG, OH 

15,696 395 CCB Interim Bank 

CLARKSBURG, OH 

 0 0 09/24/2002 20022061 

Prospect Bank

COLUMBUS, OH 

121,019 35184 Prospect Interim Savings Bank 

WORTHINGTON, OH 

 0 0 11/15/2002 20022549 

First State Bank of Sinai

SINAI, SD 

17,105 498 Interim First State Bank of Sinai 

SINAI, SD 

0 0 04/24/2002 20020142 

Interim Business Corp.

ANDREWS, TX 

1 0 Commercial State Bank 

ANDREWS, TX 

37,074 17687 01/22/2002 20012893 

Bank of the West

EL PASO, TX 

483,830 32941 New BOTW, Inc. 

EL PASO, TX 

 0 0 08/02/2002 20021504 

BK2 Bank, S.S.B.

HOUSTON, TX 

5 0 Franklin Bank, S.S.B.

AUSTIN, TX 

45,548 26870 02/27/2002 20012877 

New ISB Bank, ssb

PERRYTON, TX 

1 0 Interstate Bank, ssb 

PERRYTON, TX 

72,127 31043 09/13/2002 20021876 

Northwest Acquisition, Inc.

ROANOKE, TX 

1 0 Northwest Bank

ROANOKE, TX 

92,087 24030 01/22/2002 20012895 

Baylor Acquisition Corporation

SEYMOUR, TX 

1 0 Citizens State Bank

PRINCETON, TX 

55,198 9015 02/07/2002 20012969 

First Savings Bank of Renton

RENTON, WA 

493,408 29058 Renton Interim Merger Savings Bank 

RENTON, WA 

1 0 06/20/2002 20020734 

Harris Bank Washington, N.A.

SEATTLE, WA 

1 0 Harris Trust Company 

SEATTLE, WA 

3,840 0 10/15/2002 20022272 

Southport Bank

KENOSHA, WI 

187,096 34289 Republic Bank of Kenosha 

KENOSHA, WI 

5 0 06/24/2002 20021135 

New Livingston State Bank

LIVINGSTON, WI 

5 0 Livingston State Bank 

LIVINGSTON, WI 

79,706 6185 03/20/2002 20020324 

State Bank of Newburg

NEWBURG, WI 

75,001 9529 New State Bank of Newburg

NEWBURG, WI 

5 0 04/01/2002 20020313 

Bank of Prairie du Sac

PRAIRIE DU SAC, WI 

172,955 14660 PdS Interim Bank

PRAIRIE DU SAC, WI 

25 0 07/19/2002 20021385 

Farmers & Merchants State Bank

WATERLOO, WI 

91,902 13242 New Farmers & Merchants State Bank

WATERLOO, WI 

5 0 06/20/2002 20020776 

Pendleton County Bank

FRANKLIN, WV 

135,854 6176 Pendleton Interim Bank, Inc. 

FRANKLIN, WV 

 0 0 10/31/2002 20022325 

Guaranty Bank & Trust Company

HUNTINGTON, WV 

87,258 34842 Guaranty Interim Bank 

HUNTINGTON, WV 

 0 0 09/25/2002 20021882 

United Bank, Inc.

PARKERSBURG, WV 

 0 0 United National Bank

PARKERSBURG, WV 

3,579,760 6784 03/08/2002 20020258 

West Union Interim Bank

WEST UNION, WV 

0 0 West Union Bank 

WEST UNION, WV 

84,184 2452 01/14/2002 20012569 

Interim Mergers (Page 3 of 3, of 60 records) 

Data Date(s) 01/01/2002 to 12/31/2002 
 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

Application 

Number

Israel Discount Bank of NY

NEW YORK, NY

The Security State Bank of Pesos

PESOS, TX

Bank Leumi, USA

NEW YORK, NY

Hudson United Bank

MAHWAH, NJ

Chicago Community Bank

CHICAGO, IL

Sabine State B & T Company

MANY, LA

6,020,900

76,387

4,082,237

6,840,705

172,524

310,539

19977

11178

19842

12256

14267

8141

Hamilton Bank, N.A.

MIAMI, FL

Bank of Sierra Blanca

SIERRA BLANCA, TX

Net First National Bank

BOCA RATON, FL

Connecticut Bank of Commerce

STAMFORD, CT

Universal Federal SB

CHICAGO, IL

The Farmers Bank and Trust

CHENEYVILLE, LA

0

3,500

6,000

30,600

5,600

2,200

3

1

1

5

1

1

24382

22002

26652

19183

29355

16445

01/09/2002

01/09/2002

03/01/2002

06/20/2002

06/26/2002

12/17/2002

N/A

N/A

N/A

N/A

N/A

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. 
Federal Deposit Insurance Corporation

550 17th Street, NW

Washington, DC 20429

P 6211-01-02

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