IV 
108TH CONGRESS 
2D SESSION 
H. CON. RES. 394
Recognizing the 100th anniversary of Citizens Bank, the Nation’s oldest 
continuously operating minority-owned bank, and honoring the many 
contributions of the Nation’s minority-owned banks. 
IN THE HOUSE OF REPRESENTATIVES 
MARCH 23, 2004
Mr. COOPER (for himself, Mr. FORD, Ms. JACKSON-LEE of Texas, Ms. KIL-
PATRICK, Ms. WATERS, Mr. JEFFERSON, Mr. LEWIS of Georgia, Mr. 
WYNN, Mr. TOWNS, Mr. MEEKS of New York, Mr. ROSS, Mr. PAYNE, 
Ms. CORRINE BROWN of Florida, Mrs. NAPOLITANO, Mr. GUTIERREZ, 
Mr. HINOJOSA, Mr. ORTIZ, Mr. SERRANO, Mr. RODRIGUEZ, Mr. 
ACEVEDO-VILA´, Mr. BACA, Mr. CARDOZA, Mr. GONZALEZ, Mr. BECERRA, 
Mr. GRIJALVA, Mr. REYES, Ms. LINDA T. SA´NCHEZ of California, Ms. 
LORETTA SANCHEZ of California, Ms. SOLIS, Ms. VELA´ZQUEZ, Mr. TAY-
LOR of North Carolina, Ms. GINNY BROWN-WAITE of Florida, and Mr. 
CARDIN) submitted the following concurrent resolution; which was re-
ferred to the Committee on Financial Services 
CONCURRENT RESOLUTION 
Recognizing the 100th anniversary of Citizens Bank, the 
Nation’s oldest continuously operating minority-owned 
bank, and honoring the many contributions of the Na-
tion’s minority-owned banks.
Whereas the Nation’s minority-owned banks have played a 
vital historic role in the economic development and revi-
talization of minority communities across the Nation, by 
providing a critical source of entrepreneurial capital and
•HCON 394 IH 
economic opportunity for generations of minority families 
and small businesses; 
Whereas minority-owned banks continue to excel in their mis-
sion of providing financial services to minority businesses 
and 
individuals, 
with 
total 
assets 
in 
excess 
of 
$48,000,000,000 and more than 3,000,000 depositors 
nationwide, and the largest minority-owned bank in the 
United States being the International Bank of Commerce 
in Laredo, Texas, which has more than $6,700,000,000 
in assets; 
Whereas the Nation’s oldest continuously operating minority-
owned bank, founded in 1904 in Nashville, Tennessee, as 
the One Cent Savings Bank and now known as Citizens 
Savings Bank & Trust, is celebrating its 100th anniver-
sary this year; 
Whereas Citizens Bank stands as a model institution that ex-
emplifies the many contributions that minority-owned 
banks have made over the years to the economic well-
being of their communities; and 
Whereas Citizens Bank has fulfilled this role by providing 
educational programs and financing to individuals, entre-
preneurs, civic, and social groups, public schools, and 
universities, by providing financial resources to African-
American churches and their congregations to enable the 
construction and operation of day care centers, assisted 
living facilities, and other community service facilities 
vital to the social and economic well-being of Nashville’s 
residents, and by providing home-buying and consumer 
education seminars to empower families in their efforts to 
build wealth: Now, therefore, be it
•HCON 394 IH 
Resolved by the House of Representatives (the Senate 
concurring), That the Congress—
(1) congratulates the Citizens Savings Bank & 
Trust of Nashville, Tennessee, on the occasion of the 
100th anniversary of the bank, for its dedication and 
service to the people of Tennessee; 
(2) recognizes the vital role the Nation’s minor-
ity-owned banks have played in providing financial 
services and resources to minority individuals and 
businesses, particularly in communities that have 
been underserved by other institutions; and 
(3) honors the Nation’s minority-owned banks 
for their historic and continuing contributions to the 
economic and social well-being of the communities 
they serve.
Æ