Corporate Applications:

IN THIS ISSUE:

Corporate Decision

Letter No.	Topic
2004-6	Application by Empire State Bank, N.A. (In Organization), Newburgh, New York, to establish a branch at 275 Main Street, New Paltz, Ulster County, New York. (Control Number 2003 NE 05 0105),  WORD 02/10/2004

Approvals with conditions enforceable under 12 U.S.C. 1818

Letter No.	Topic
622	Application from Webster Bank, Waterbury, Connecticut, to convert to a national bank charter with the title "Webster Bank, National Association" and retain branches in Connecticut. (Control Numbers 2003 NE 01 0019 & 2003 NE 12 0288), WORD 02/05/2004
623	Application to establish a new national trust bank, which will engage solely in fiduciary activities with the title of Commercebank Trust Company, National Association, Coral Gables, Florida and the request to establish the new bank as an operating subsidiary of Commercebank, N.A. (Control Numbers 2003 SW 01 0012 & 2003 SW 08 0017), WORD 02/19/2004
624	Application to merge Old Dominion Trust Company, Norfolk, Virginia with and into AMG Guaranty Trust, N.A., Greenwood Village, Colorado under the title and charter of the latter. (Control Number 2003 WE 02 0009), WORD 02/20/2004
625	Notice of Change in Bank Control filed by Bank of America Corporation with respect to Fleet Bank (RI), National Association, Providence, Rhode Island. (Control Number 2003 ML 11 0001), WORD 02/24/2004

Final Enforcement Actions

Enclosed is a copy of the OCC's news release number 2004-21 , announcing the availability of enforcement actions. Copies of the final actions are available by writing to the OCC, Public Reference Room, Mailstop 1-5, Washington, D.C. 20219. When ordering, specify the appropriate enforcement action number.

Community Reinvestment Act (CRA) Performance Evaluations

Enclosed is a list of CRA performance evaluations that became public during the period of February 15 through March 14, 2004.

PLEASE NOTE: Interpretive Letters and No-Objection Letters reflect the views of the Comptroller's legal staff. Corporate Decisions, CRA Decisions and Conditional Approvals are from the Licensing department. The list of CRA Ratings is from the Communications Division. For copies of the CRA evaluations, you may either contact the bank directly, or you may write to the Office of the Comptroller of the Currency (OCC) in any of three ways: by mail to the OCC, Attn: Public Information Room, Mail Stop 1-5, Washington, D.C. 20219; by fax to (202) 874-4448; or by e-mail to FOIA-PA@occ.treas.gov. You may also write to the OCC for copies of enforcement actions and charters with standard conditions.

Members of the news media are encouraged to cite the letter number when reporting or summarizing documents from this package. This helps us to process single requests based upon your citation in a more timely manner.

The Office of the Comptroller of the Currency publishes INTERPRETATIONS AND ACTIONS monthly. Subscriptions are available at a rate of $175 per year by writing to the Comptroller of the Currency, ATTN: Accounts Receivable, Mailstop 4-8, 250 E Street, S.W., Washington, DC 20219. Prepayment is requested. Suggestions, comments or questions may be sent to Jacqueline J. England, Communications Division, Comptroller of the Currency, Mail Stop 3-2, Washington, DC 20219.