Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 5

Week Ending February 3, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions January 28, 2007 to February 3, 2007

Board Operations

System of Records -- publication for comment of amendments to one system of 

records, Office of Inspector General (OIG) Investigative Records, under the Privacy 

Act (Docket No. OP-1276).

- Approved, January 29, 2007 

Enforcement

Exchange Bank of Missouri, Fayette, Missouri -- issuance of an order of prohibition 

against Perry D. Lane, former president, chief executive officer, and director.

- Announced, February 1, 2007 

(AC) = Addition or Correction Board - Page 1 of 1
January 28, 2007 to February 3, 2007

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Farmers Bank & Capital Trust Company, Frankfort, Kentucky -- to establish a 

branch at 1401 Louisville Road.

- Approved, January 29, 2007 

St. Louis

Fidelity & Trust Bank, Bethesda, Maryland -- to establish a branch at 130 Rollins 

Avenue, Rockville.

- Approved, February 1, 2007 

Richmond

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 14204 

Manchester Road, Ellisville, Missouri.

- Approved, February 1, 2007 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 12181 West 

Hillsborough Avenue, Tampa, Florida.

- Approved, February 1, 2007 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 11118 Olive 

Street, Creve Coeur, Missouri.

- Approved, February 1, 2007 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 2501 North 

Avenue, Melrose, Illinois.

- Approved, February 1, 2007 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 1111 South 

Alpine Road, Rockford, Illinois.

- Approved, February 1, 2007 

Cleveland

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority January 28, 2007 to February 3, 2007

Bank Branches, Domestic

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 4999 North 

Tanner Road, Orlando, Florida.

- Approved, February 1, 2007 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 4104 Conroy 

Road, Orlando, Florida.

- Approved, February 1, 2007 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 107 North U.S. 

Highway 1792, Longwood, Florida.

- Approved, February 1, 2007 

Cleveland

The Northern Trust Company, Chicago, Illinois -- to establish a branch at 101 North 

Cross Street, Wheaton.

- Approved, February 2, 2007 

Chicago

Peapack-Gladstone Bank, Gladstone, New Jersey -- to establish a branch at 20 

Woodland Avenue, City of Summit.

- Approved, February 1, 2007 

New York

Warren Bank, Warren, Michigan -- to establish a branch at 55101 Shelby Road, 

Shelby Township.

- Withdrawn, February 2, 2007 

Chicago

Bank Holding Companies

Allied Irish Banks, plc, Dublin, Ireland, and M&T Bank Corporation, Buffalo, New 

York -- to acquire an interest in Bayview Lending Group LLC, Coral Gables, 

Florida, and thereby engage in extending credit, servicing loans, and activities 

related to extending credit.

- Approved, February 2, 2007 

Secretary

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority January 28, 2007 to February 3, 2007

Bank Holding Companies

BancorpSouth, Inc., Tupelo, Mississippi -- to merge with City Bancorp, Inc., 

Springfield, Missouri, and thereby acquire The Signature Bank.

- Approved, January 31, 2007 

St. Louis

Commerce Bancshares, Inc., Kansas City, Missouri, and CBI Kansas -- waiver of 

application to merge with South Tulsa Financial Corporation, Tulsa, Oklahoma, in 

connection with the merger of Bank South, Tulsa, and Commerce Bank, N.A., 

Kansas City, Missouri.

- Granted, February 2, 2007 

Kansas City

FineMark Holdings, Inc., Fort Myers, Florida -- to become a bank holding company 

and to acquire FineMark National Bank & Trust, a de novo bank.

- Approved, February 1, 2007 

Atlanta

First State Bancorporation, Albuquerque, New Mexico -- to acquire Front Range 

Capital Corporation, Louisville, Colorado, and thereby acquire Heritage Bank; and 

for First Community Bank, Taos, New Mexico, to merge with Heritage Bank, 

Louisville, Colorado, and thereby establish branches.

- Approved, February 2, 2007 

Secretary

Frontier Holdings, LLC, Omaha, Nebraska, and Frontier Management, LLC -- to 

acquire Pender State Bank, Pender.

- Approved, February 1, 2007 

Kansas City

Hanmi Financial Corporation, Los Angeles, California -- request for an exemption 

under the Depository Institutions Management Interlocks Act and Regulation L.

- Granted, February 2, 2007 

General Counsel

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority January 28, 2007 to February 3, 2007

Bank Holding Companies

Lotus Bancorp, Inc., Novi, Michigan -- to become a bank holding company and to 

acquire Lotus Bank, a de novo bank.

- Approved, February 2, 2007 

Chicago

State Center Financial, Inc., State Center, Iowa -- to continue to engage in extending 

credit and servicing loans.

- Approved, February 2, 2007 

Chicago

Change In Bank Control

Adrian Building Corporation, Adrian, Minnesota -- change in bank control.

- Permitted, February 2, 2007 

Minneapolis

FEB Bancshares, Inc., Neshkoro, Wisconsin -- change in bank control.

- Permitted, February 2, 2007 

Chicago

The Freedom Bank of Virginia, Vienna, Virginia -- change in bank control.

- Permitted, February 1, 2007 

Richmond

Extensions Of Time

The Bank at Broadmoor, Colorado Springs, Colorado -- extension to June 10, 2007, 

to establish a branch at 3216 West Colorado Avenue, and to increase its investment 

in bank premises.

- Granted, January 31, 2007 

Kansas City

The Farmers State Bank of Fort Morgan Colorado Employee Stock Ownership Plan, 

Fort Morgan, Colorado -- extension to May 17, 2007, to acquire up to 38 percent of 

the shares of F.S.B. Bancorporation of Fort Morgan, Colorado, parent of Farmers 

State Bank of Fort Morgan.

- Granted, February 1, 2007 

Kansas City

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority January 28, 2007 to February 3, 2007

Extensions Of Time

The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania -- extension of 

time to divest or conform certain impermissible activities and investments.

- Granted, February 1, 2007 

Director, BS&R

S & T Bancorp, Inc., Indiana, Pennsylvania -- extension to April 30, 2007, to 

acquire up to 9.9 percent of the shares of CBT Financial Corporation, Clearfield.

- Granted, February 2, 2007 

Cleveland

S & T Bancorp, Inc., Indiana, Pennsylvania -- extension to May 8, 2007, to acquire 

up to 9.9 percent of the shares of IBT Bancorp, Inc., Irwin, and thereby acquire 

Irwin Bank & Trust Company.

- Granted, February 2, 2007 

Cleveland

Virginia Heritage Bank, Fairfax, Virginia -- extension to February 27, 2007, to 

establish a courier service to pick up noncash deposits from business customers.

- Granted, February 1, 2007 

Richmond

(AC) = Addition or Correction Delegated - Page 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending February 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5

* 3A3

02/25/2007

02/26/2007

Assabet Valley Bancorp, Hudson,

Massachusetts to acquire Westborough

Bancorp, MHC, Westborough Financial

Services, Inc. and The Westborough Bank, all

located in Westborough, Massachusetts,

pursuant to sections 3(a)(3) and 3(a)(5) of the

BHC Act.

ASSABET VALLEY BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 02/26/2007

New England Bancshares, Inc., Enfield, CT -

section 3(a)(1)/4(c)(8) application to acquire

First Valley Bancorp, Inc., Bristol, CT and its

subsidiary bank, Valley Bank, Bristol, CT, and

to retain Enfield Federal Savings and Loan

Association, Enfield, CT.

NEW ENGLAND

BANCSHARES, INC.

Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

Request from State Street Bank and Trust,

Boston, Massachusetts, and its Edge and

agreement subsidiaries, for specific consent to

engage in future instances of fund

administration activity pursuant to section

211.10(c) of Regulation K.

STATE STREET BANK AND

TRUST COMPANY

* Subject to the provisions of the Community Reinvestment Act
District: 1

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 2

Federal Reserve Bank of New York

Filings received during the week ending February 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Banco Popular North America ("BPNA"), New 02/13/2007

York, New York request approval to open a

new branch located at 1861 South San Jacinto

Avenue, (Riverside County), California.

BANCO POPULAR NORTH

AMERICA

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Banco Popular North America ("BPNA"), New

York, New York request approval to open a

branch office located at 310 East Houston

Street, New York, New York.

(RSSD#3374850)

BANCO POPULAR NORTH

AMERICA

Newspaper:

Federal Register:

* 3A1 02/28/2007

03/02/2007

Bancorp of New Jersey, Inc., requests to

become a one-bank holding company, pursuant

to Section 3(a)1 of the BHC Act, and Section

225.15 of Regulation Y, by acquiring Bank of

New Jersey, both of Fort Lee, New Jersey.

BANCORP OF NEW JERSEY,

INC.

Newspaper:

Federal Register:

FBSEA

Not applicable

Caixa Economica Federal, Distrito Federal, 03/01/2007

Brazil, to establish a representative office in

Jersey City, New Jersey, pursuant to Section

10(a) of the International Banking Act of 1978,

as amended, and Section 211.24(a)(1) of

Regulation K.

CAIXA ECONOMICA

FEDERAL

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

China Merchants Bank Co.,

Ltd.("CMB"),Shenzhen, Peoples Republic of

China is applying to establish a branch, under

Section 211.24(a)(1) of Regulation K, in New

York.

CHINA MERCHANTS BANK

CO. LTD.

* Subject to the provisions of the Community Reinvestment Act
District: 2

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 3

Federal Reserve Bank of Philadelphia

Filings received during the week ending February 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/15/2007

George W. Connell, Radnor, PA, to purchase

up to 19.9% of the voting shares of Bryn Mawr

Bank Corporation, Bryn Mawr, PA.

BRYN MAWR BANK

CORPORATION

* Subject to the provisions of the Community Reinvestment Act
District: 3

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 4

Federal Reserve Bank of Cleveland

Filings received during the week ending February 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Jerry D. Greer to gain control of

Cumberland Valley Financial Corporation,

London, Kentucky, and indirectly gain control

of Cumberland Valley National Bank & Trust

CUMBERLAND VALLEY

FINANCIAL CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Jerry D. Greer and Garth Rex Greer

to gain control of, First National Financial

Corporation, Manchester, Kentucky, and

indirectly gain control of First National Bank,

Manchester, Kentucky

FIRST NATIONAL FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Application by The State Bank and Trust

Company, Defiance, OH to merge with The

Exchange Bank, Luckey, OH pursuant to

Section 18(c) of the Federal Deposit Insurance

Act.

STATE BANK AND TRUST

COMPANY, THE

* Subject to the provisions of the Community Reinvestment Act
District: 4

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 5

Federal Reserve Bank of Richmond

Filings received during the week ending February 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of the Commonwealth, Norfolk, 02/12/2007

Virginia, proposes to establish a branch at St.

Waves Plaza, Unit 1, 26006 NC Hwy 12,

Waves, North Carolina.

BANK OF THE

COMMONWEALTH

Newspaper:

Federal Register:

* Branch

Not applicable

Virginia Commerce Bank, Arlington, Virginia, 02/20/2007

proposes to establish a branch at Dulles 606

Retail Center, 23510 Overland Drive, Dulles,

Virginia.

VIRGINIA COMMERCE BANK

* Subject to the provisions of the Community Reinvestment Act
District: 5

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 6

Federal Reserve Bank of Atlanta

Filings received during the week ending February 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

03/05/2007

Encore Bancshares, Inc., Houston, Texas, to

become a bank holding company by acquiring

100 percent of the capital stock of Encore

Bank, to be located in Naples, Florida, upon

Encore bank's conversion from a federal

savings bank to a national bank.

ENCORE BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 02/14/2007

02/22/2007

First Heritage Corporation, Carthage,

Mississippi (formerly First Carthage

Corporation), prior change in control notice

filed by Dr. S. L. Sethi, Mr. Earle Jones, Mrs.

Irene Jones, Mr. Ray Harrigill, Mrs. Monica

Harrigill, Mr. William Price, Mr. Vikas

Majithia, Mr. Sukdev Thind and Mr. Baldev B.

Patel, to acquire an additional 49.06 percent of

the outstanding shares of First Heritage

Corporation, and its subsidiary, Heritage

Banking Group, both of Carthage, Mississippi.

Total ownership will equal 49.83 percent.

FIRST CARTHAGE

CORPORATION

Newspaper:

Federal Register:

* 3A1 03/05/2007

03/05/2007

First NBC Bank Holding Company, to become

a bank holding company by acquiring 100

percent of the outstanding shares of First NBC

Bank, both of New Orleans, Louisiana.

FIRST NBC BANK HOLDING

COMPANY

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Security Bank Corporation, Macon, Georgia, to

acquire CFS Wealth Management, LLC,

Macon, Georgia, and thereby engage in

financial and investment advisory, and

providing securities brokerage services.

SECURITY BANK

CORPORATION

* Subject to the provisions of the Community Reinvestment Act
District: 6

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 7

Federal Reserve Bank of Chicago

Filings received during the week ending February 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Citizens Bank, Flint, Michigan, to merge with

Republic Bank, Lansing, Michigan, and

thereby to establish branches.

CITIZENS BANK

Newspaper:

Federal Register:

4c8 Not applicable

02/20/2007

First Berne Financial Corporation, Berne,

Indiana, proposes to continue to engage de

novo in extending credit and servicing loans.

FIRST BERNE FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

02/23/2007

Partnership Community Bancshares, Inc.,

Tomah, Wisconsin, to become a bank holding

company by acquiring 91 percent of the voting

shares of The Bancorp of Tomah, Inc., Tomah,

Wisconsin, and thereby indirectly acquire First

Bank, Tomah, Wisconsin.

PARTNERSHIP COMMUNITY

BANCSHARES, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 7

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

886044 BLENCOE ST BK, BLENCOE, IOWA 10/10/2006 01/18/2007 S Small Bank

502746 COMMUNITY ST BK, AVILLA, INDIANA 08/28/2006 01/18/2007 O Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 8

Federal Reserve Bank of St. Louis

Filings received during the week ending February 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 02/20/2007

01/26/2007

Enterprise Financial Services Corp., Clayton,

Missouri, to acquire 100 percent of Clayco

Banc Corporation, DeSoto, Kansas, and

thereby indirectly acquire Great American

Bank, DeSoto, Kansas.

ENTERPRISE FINANCIAL

SERVICES CORP

* Subject to the provisions of the Community Reinvestment Act
District: 8

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 9

Federal Reserve Bank of Minneapolis

Filings received during the week ending February 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Centra Ventures, Inc., Foley, Minnesota,

proposes to engage in leasing activities through

its subsidiary, Falcon Leasing L.L.C., Foley,

Minnesota, a de novo leasing company.

CENTRA VENTURES, INC.

Newspaper:

Federal Register:

CIC Not available

02/05/2007

Notice by Robert Donavon Weerts and Jennifer

Lavon Weerts, both of Winnebago, Minnesota,

to gain control of Northern Star Financial,

Inc., Mankato, Minnesota, and thereby

indirectly gain control of Northern Star Bank,

Mankato, Minnesota.

NORTHERN STAR

FINANCIAL, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

State Bank Financial, La Crosse, Wisconsin,

proposes to purchase the assets and assume the

liabilities of the Sparta, Wisconsin, branch of

Acuity Bank, Tomah, Wisconsin, and incident

thereto establish a branch at 203 West

Wisconsin, Sparta, Wisconsin.

STATE BANK FINANCIAL

Newspaper:

Federal Register:

4c8 Not applicable

Not available

State Bankshares Inc., Fargo, North Dakota, to

acquire 100 percent of Passport Benefit

Solutions, L.L.C., a limited liability company,

Minnetonka, Minnesota and engage in

non-banking activities.

STATE BANKSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Trinity Investments, Inc., Glen Ullin, North

Dakota, to become a bank holding company by

acquiring 100 percent of Bank of Glen Ullin,

Glen Ullin, North Dakota.

Trinity Investments, Inc.

Newspaper:

Federal Register:

CIC Not available

02/13/2007

Change in control notice by Duane A.

Kurokawa and Rosella Kurokawa, both of Wolf

Point, Montana, to acquire 25 percent or more

of the shares of Western Holding Company of

Wolf Point, Wolf Point, Montana, and thereby

indirectly acquire control of Western Bank of

Wolf Point, Wolf Point, Montana.

WESTERN HOLDING

COMPANY OF WOLF POINT

* Subject to the provisions of the Community Reinvestment Act
District: 9

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

274856 CITIZENS ST BK OF ARLINGTON, ARLINGTON, SOUTH DAKOTA 10/02/2006 01/17/2007 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 10

Federal Reserve Bank of Kansas City

Filings received during the week ending February 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The Bank of Star Valley, Afton, Wyoming, to 02/02/2007

establish a branch at 102 Greys River Road,

Alpine, Wyoming.

BANK OF STAR VALLEY, THE

Newspaper:

Federal Register:

* 3A3 Not available

02/02/2007

Columbian Financial Corporation, Overland

Park, Kansas, to acquire 100 percent of the

voting shares of The Bank, Weatherford,

Texas.

COLUMBIAN FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

03/02/2007

First Bancorp of Durango, Inc., Inverness,

Illinois, to acquire 100 percent of the voting

shares of Grants State Bank, Grants, New

Mexico.

FIRST BANCORP. OF

DURANGO, INC.

Newspaper:

Federal Register:

* 3A1 Not available

03/05/2007

First Colorado Financial Corp., Paonia,

Colorado, to become a bank holding company

through the acquisition of 100 percent of the

voting shares of First National Bank of Paonia,

Paonia, Colorado.

FIRST COLORADO

FINANCIAL CORP.

Newspaper:

Federal Register:

CIC Not available

02/20/2007

Notice by Melanie Ranee Christain and Victor

Lee Christain, both of Oklahoma City,

Oklahoma, to acquire control of First State

Bancorporation of Watonga, Inc., parent of

First State Bank, both in Watonga, Oklahoma,

through the acquisition of voting shares.

FIRST STATE

BANCORPORATION OF

WATONGA, INC.

Newspaper:

Federal Register:

* 3A1 Not available

02/16/2007

First Wyoming Bancorporation of Laramie to

become a bank holding company through the

acquisition of 100 percent of the voting shares

of Wyoming State Bank, both in Laramie,

Wyoming.

FIRST WYOMING

BANCORPORATION OF

LARAMIE

Newspaper:

Federal Register:

CIC 02/01/2007

01/30/2007

Notification by Nancy A. Strohmeyer,

Lakewood, Colorado, to retain control of

FirstBank Holding Company, parent of

FirstBank of Colorado, both in Lakewood,

Colorado.

FIRSTBANK HOLDING

COMPANY

Newspaper:

Federal Register:

* 3A3 Not available

03/05/2007

Kaw Valley Bancshares, Inc., to acquire 100

percent of the voting shares of Kaw Valley

State Bank & Trust Company, both of

Wamego, Kansas.

KAW VALLEY BANCSHARES,

INC.

* Subject to the provisions of the Community Reinvestment Act
District: 10

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

706254 COMMUNITY ST BK, POTEAU, OKLAHOMA 10/23/2006 01/19/2007 S Small Bank

686459 EXCHANGE BK OF MO, FAYETTE, MISSOURI 10/02/2006 01/05/2007 S Small Bank

698957 GREAT AMER BK, DE SOTO, KANSAS 10/16/2006 01/18/2007 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

Filings received during the week ending February 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

LegacyTexas Bank, Plano, Texas, to establish a 02/12/2007

branch to be located at 900 South Main St.,

Grapevine, Texas 76051.

LEGACYTEXAS BANK

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

Filings received during the week ending February 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Business Bank of Nevada, Las Vegas, Nevada, 01/31/2007

to establish a branch facility at 10801 W.

Charleston Boulevard, Las Vegas, Nevada.

BUSINESS BANK OF NEVADA

Newspaper:

Federal Register:

CIC 02/14/2007

02/20/2007

Notice by Bishop Limited Partnership,

Burlington, Washington, to increase its

ownership to 10.08 percent of Skagit State

Bancorp, Inc., and thereby indirectly control its

subsidiary, Skagit State Bank, both of

Burlington, Washington.

SKAGIT STATE BANCORP

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act