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  1. COMMUNITY REINVESTMENT ACT NOTICE


     


    Under the Federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations.  The FDIC also takes this record into account when deciding on certain applications submitted by us.


     


    Your involvement is encouraged.


     


    You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the FDIC; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.


     


    At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the:


     


    Kansas City Regional Manager


    Division of Compliance and Consumer Affairs


    Federal Deposit Insurance Corporation


    2345 Grand Ave. Suite 1200


    Kansas City, MO 64108


     


    You may send written comments about our performance in helping to meet community credit needs to:


     


    President


    First State Bank of Bigfork


    PO Box 257


    Bigfork, MN 56628


     


    and FDIC Regional Manager. Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.


     


    You may ask to look at any comments received by the FDIC Regional Manager. You may also request from the FDIC Regional Manager an announcement of our applications covered by the CRA filed with the FDIC. We are an affiliate of Bigfork Bancshares, Inc., a bank holding company. You may request from the:


     


    Assistant VP of Consumer Affairs


    Federal Reserve Bank of Minneapolis


    90 Hennepin Avenue


    Minneapolis, MN  55401


     


    an announcement of applications covered by the CRA filed by bank holding companies.

 


  
© 2003 First State Bank of Bigfork