Applications and notifications filed during the week ending Saturday, January 3, 2004

This Applications Bulletin identifies final applications received by the Federal Reserve Bank of Dallas during the week ending January 3, 2004. In addition, Section V of the Bulletin includes a list of institutions that have been examined for CRA for which an evaluation is publicly available. This Applications Bulletin is published weekly as a courtesy of the Federal Reserve and does not constitute notice of these applications.

Comments on Applications

If members of the public want to comment on an application, comments must be received by the Federal Reserve on or before the last day of the comment period. The comment period ends no earlier than the date specified in the newspaper notice and, in the case of bank holding company application for which a Federal Register notice is published, may end later than that date. If you have any questions concerning procedures that should be followed in commenting on an application, you may contact Mr. Rob Jolley at (214) 922-6071.

If you cannot submit your comments by the end of the time period, you may request an extension of time by contacting the Secretary of the Federal Reserve Board, Washington, D.C. 20551. Your request for an extension of time must be received no later than the last date of the comment period and should explain why you are unable to submit your comments on time. You will find more information on how to request additional time in the Code of Federal Regulations ("CFR") at 12 CFR # 262.25(B) (as revised, Press Release January 31, 1984, 49 Federal Register 5603 [February 14, 1984]).

Public Meetings

For information on the Board's policy concerning the holding of public meetings, please see the Board's Policy Statement for Handling Protested Applications, 12 CFR # 262.25(C) and (D) (1984). The procedure for requesting a hearing can be found at 12 CFR # 262.3(e). You may wish to consult A Citizen's Guide to CRA, published by the Federal Financial Institutions Examination Council [off-site].

CRA evaluations are available to the public 30 business days after the institution receives the evaluation. Section V of this Bulletin lists those institutions where the 30-business days expired this week. If members of the public want information concerning a particular evaluation, requests should be made directly to the institution. The institution must provide a copy of this evaluation to the public upon request and may charge a fee, not to exceed actual costs, for reproduction and mailing. If you have any questions concerning procedures that should be followed to obtain information, you may contact Ms. Diane van Gelder, at (214) 922-6282.

Section I – Applications subject to newspaper notice only

Type Application Ending date of comment period 18C Texas State Bank, McAllen, TX, to acquire Community Bank and Trust, SSB, Beaumont, TX* (previously reported the week ending December 27, 2003)  1/23/2004 Branch Texas State Bank, McAllen, TX, to establish 31 branches in Texas* (previously reported the week ending December 27, 2003)  1/23/2004

* Subject to the provisions of the Community Reinvestment Act

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

Type Application Ending date of comment period 3(a)(3) American Bank Holding Corporation, Corpus Christi, TX, to acquire First National Bank of Goliad, Goliad, TX* Fed Reg – 01/05/2004 Newspaper – N/Avail 3(a)(3) Sulphur Springs Bancshares, Inc., Sulphur Springs, TX, and Sulphur Springs Delaware Financial Corporation, Dover, DE, to acquire Hawkins Financial Corporation, Hawkins, TX, Hawkins Delaware Financial Corporation, Wilmington, DE, and First State Bank, Hawkins, TX* (previously reported the week ending December 27, 2003) Fed Reg – 01/22/2004 Newspaper – 01/19/2004 3(a)(5) Texas Regional Bancshares, Inc., McAllen, TX, and Texas Regional Delaware, Inc., Wilmington, DE, to acquire Southeast Texas Bancshares, Inc., Beaumont, TX, Texas Community Bancshares of Delaware, Inc., Wilmington, DE, and Community Bank and Trust, SSB, Beaumont, TX* (previously reported the week ending December 27, 2003) Fed Reg – 01/23/2004 Newspaper – 01/23/2004

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application Ending date of comment period  None

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

Type Application  None

Section VI – CRA examinations scheduled for the 1st Quarter of 2003

Institution Location  None