Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 31 

Week Ending August 4, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
Testimony And Statements

Renomination of Governor Kroszner -- statement by Governor Kroszner before 

the Senate Committee on Banking, Housing, and Urban Affairs on his nomination 

to a full term as a member of the Board.

- Published, August 2, 2007

Regulations And Policies

Credit Scoring -- report to the Congress on credit scoring and its effects on the 

availability and affordability of credit.

- Approved, August 2, 2007

Subprime Lending -- publication for comment of interagency proposed 

illustrations of consumer information for subprime mortgage products (Docket 

No. OP-1292).

- Approved, July 31, 2007

Reserve Bank Operations

Federal Reserve Bank of Chicago -- appointment of Charles L. Evans as President, 

effective September 1, 2007.

- Approved, July 30, 2007

Enforcement

Mid America Bank and Trust Company, Dixon, Missouri -- issuance of a consent 

order of prohibition against Richard N. DeLong, a former institution-affiliated 

party.

- Announced, August 2, 2007

Texas State Bank, McAllen, Texas -- written agreement dated April 25, 2006, 

terminated July 2, 2007.

H.2 Board Actions July 29, 2007 to August 4, 2007

(A/C) = Addition or Correction Board - Page 1 of 2
Texas State Bank, McAllen, Texas -- written agreement dated April 25, 2006, 

terminated July 2, 2007.

- Announced, July 31, 2007

H.2 Board Actions July 29, 2007 to August 4, 2007

(A/C) = Addition or Correction Board - Page 2 of 2
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operational and Payment System

IF International Finance

OSDM Office of Staff Director for Management

July 29, 2007 to August 4, 2007

Bank Branches, Domestic

Bank of the Commonwealth, Norfolk, Virginia -- to establish a branch at 221 

Western Avenue, Suffolk.

Richmond

- Approved, August 1, 2007

Corridor State Bank, Coralville, Iowa -- to establish a branch at 202 North Linn 

Street, Iowa City.

Chicago

- Approved, August 1, 2007

Old Line Bank, Bowie, Maryland -- to establish a branch at 9658 Baltimore Avenue, 

College Park.

Richmond

- Approved, August 3, 2007

Southwest Bank, Fort Worth, Texas -- to establish branches at 3340 Camp Bowie 

Boulevard and 4809 Camp Bowie Boulevard.

Dallas

- Approved, July 30, 2007

Bank Holding Companies

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga 

Springs, New York -- to acquire additional shares of 473 Broadway Holding 

Corporation and The Adirondack Trust Company.

Secretary

- Approved, August 2, 2007

(A/C) = Addition or Correction Delegated - 1 of 6
Bank Holding Companies

CCB Financial Corporation, Jonesboro, Georgia -- relief from a commitment.

Atlanta

- Granted, August 1, 2007

Community State Bankshares, Inc., Lamar, Colorado -- to become a bank holding 

company and to acquire Community State Bank, a de novo bank.

Kansas City

- Withdrawn, July 31, 2007

First Capital Bancshares, Inc., Chillicothe, Ohio -- waiver of application to acquire 

Deerfield Bancshares, Inc., Clarksburg, in connection with the merger of their 

subsidiary banks, The Citizens National Bank of Chillicothe, Chillicothe, and 

Clarksburg Commercial Bank, Clarksburg.

Cleveland

- Granted, August 2, 2007

First Michigan Bancorp, Inc., Troy, Michigan -- to become a bank holding company 

and to acquire First Michigan Bank, a de novo bank.

Chicago

- Approved, August 1, 2007

Florida Bank Group, Inc., Tampa, Florida -- to merge with Cygnet Financial 

Corporation, Ponte Vedra, and thereby acquire Cygnet Private Bank.

Atlanta

- Approved, July 31, 2007

H.2 Actions under delegated authority July 29, 2007 to August 4, 2007

(A/C) = Addition or Correction Delegated - 2 of 6
Bank Holding Companies

Metropolitan Bank Group, Inc., Chicago, Illinois; Alpha Bancorp, Inc., Metropolitan 

Bancorp, Inc., and Plaza Bancorp, Inc. -- to acquire Oswego Bancshares, Inc., 

Oswego, and Oswego Community Bank.

Chicago

- Approved, July 31, 2007

Porter Bancorp, Inc., Louisville, Kentucky, and PBIB Corporation, Inc. -- to acquire 

Ohio County Bancshares, Inc., Beaver Dam, Kentucky, and thereby acquire 

Kentucky Trust Bank.

St. Louis

- Approved, August 3, 2007

Providence Bancshares Corporation, Southlake, Texas -- to become a bank holding 

company and to acquire Providence Bank of Texas, a de novo bank.

Dallas

- Approved, August 2, 2007

Square 1 Financial, Inc., Durham, North Carolina -- to engage de novo in private 

placement and investment advisory activities.

Richmond

- Approved, July 31, 2007

Bank Mergers

First State Bank, Lincoln, Nebraska -- to merge with Saline State Bank, Wilber, and 

thereby establish a branch.

Kansas City

- Approved, July 31, 2007

H.2 Actions under delegated authority July 29, 2007 to August 4, 2007

(A/C) = Addition or Correction Delegated - 3 of 6
Bank Mergers

Independent Bank, Bay City, Michigan -- to merge with Independent Bank East 

Michigan, Troy; Independent Bank South Michigan, East Lansing; and Independent 

Bank West Michigan, Grand Rapids; and thereby establish branches, and to become a 

member of the Federal Reserve System.

Secretary

- Approved, August 3, 2007

Peoples Bank & Trust Co., Troy, Missouri -- to purchase certain assets and assume 

certain liabilities of the Bowling Green branch of F&M Bank and Trust Company, 

Hannibal, and thereby establish a branch.

St. Louis

- Approved, August 1, 2007

Change In Bank Control

Drew Bancshares, Inc., Monticello, Arkansas -- to retain control of Drew Bancshares, 

Inc.

St. Louis

- Permitted, July 31, 2007

First National Corporation, Savannah, Georgia -- to retain control of First National 

Corporation.

Atlanta

- Permitted, July 30, 2007

MS Financial, Inc., Kingwood, Texas -- change in bank control.

Dallas

- Permitted, July 31, 2007

H.2 Actions under delegated authority July 29, 2007 to August 4, 2007

(A/C) = Addition or Correction Delegated - 4 of 6
Change In Bank Control

Sterling Bancshares, Inc., Poplar Bluff, Missouri -- change in bank control.

St. Louis

- Permitted, July 31, 2007

Extensions Of Time

1st United Bank, Boca Raton, Florida -- extension to August 10, 2008, to establish a 

branch at 1700 Palm Beach Lakes Boulevard, West Palm Beach.

Atlanta

- Granted, July 31, 2007

Bank of America Corporation, Charlotte, North Carolina -- commenters' requests to 

extend the comment period on the application to acquire ABN AMRO North 

America Holding Company, Chicago, Illinois, and thereby acquire LaSalle Bank 

Corporation, LaSalle Bank National Association, Chicago, and LaSalle Bank 

Midwest National Association, Troy, Michigan.

Secretary

- Denied, August 1, 2007

Royal Bank of Scotland Group, plc, et al., Edinburgh, Scotland -- commenter's 

request to extend the comment period on the application to acquire ABN AMRO 

Holding, N.V., Amsterdam, The Netherlands, and thereby acquire ABN AMRO 

North American Holding Company, Chicago, Illinois, LaSalle Bank Corporation, 

LaSalle Bank National Association, Chicago, and LaSalle Bank Midwest National 

Association, Troy, Michigan.

Secretary

- Denied, August 1, 2007

H.2 Actions under delegated authority July 29, 2007 to August 4, 2007

(A/C) = Addition or Correction Delegated - 5 of 6
Financial Holding Companies 

FSB Financial Corp, New Madison, Ohio -- election to become a financial holding 

company.

Cleveland

- Effective, August 1, 2007

Membership

Pacific Commerce Bank, National Association, Los Angeles, California -- to retain 

membership in the Federal Reserve System on conversion to a state charter.

San Francisco

- Approved, August 3, 2007

Regulations And Policies

Regulation Z (Truth in Lending) -- annual adjustment of the dollar amount that 

triggers additional disclosure requirements for home mortgages with rates or fees 

above a certain amount (Docket No. R-1291).

Director, C&CA

- Approved, August 1, 2007

H.2 Actions under delegated authority July 29, 2007 to August 4, 2007

(A/C) = Addition or Correction Delegated - 6 of 6
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending August 4, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 August 4, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/27/2007

Allied Irish Banks, p.l.c., Dublin, Ireland ("AIB") 

seeks permission for the shares of the common 

stock of M&T Bank Corporation, Buffalo, New 

York ("M&T") held by AIB since April 1, 2003 

to exceed 25% of the total issued and 

outstanding common stock of M&T but not to 

exceed 29% thereof arising as a result of M&T?

s stock buyback program. As a result of AIB's 

interest in M&T, AIB is deemed to control 

Manufacturers and Traders Trust Company, 

Buffalo, New York and M&T Bank, N.A., 

Oakfield, New York.

ALLIED IRISH BANKS, P.L.C.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Andhra Bank, Hyderabad, India, to establish a 

representative office in Jersey City, New Jersey.

ANDHRA BANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

BNP Paribas, Paris, France ("BNPP") requests 

approval pursuant to International Banking Act 

of 1978 and after the fact provisions of Section 

211.24(a)(6) of Regulation K to establish the 

New York branch of its subsidiary Banca 

Nationale del Lavoro S.p.A., Rome, Italy 

("BNL").

BNP PARIBAS

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Prior Notice by The Governor and Company of 

the Bank of Scotland ("BOS"), Edinburgh, 

Scotland, to establish, pursuant to the 

International Banking Act of 1978, the branch 

currently maintained by BOS' subsidiary, HBOS 

Treasury Services plc, London, England, in New 

York, New York, in connection with an internal 

reorganization.

GOVERNOR AND COMPANY OF 

THE BANK OF SCOTLAND, THE

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

JPMorgan Chase & Co., New York, New York, 

provided 30 days' prior notice to the Board, 

pursuant to Section 211.9(f) of Regulation K, of 

its intention to make investments in its 

UK-based entities.

JPMORGAN CHASE & CO.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Macquarie Bank Ltd., Sydney, Australia, to 

establish one additional representative office in 

Chicago, Illinois, pursuant to Section 211.24(a)

(2)(i)(B)(3) of Regulation K.

MACQUARIE BANK LIMITED

* 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 August 4, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

Not applicable

Susquehanna Bank PA, Lititz, PA, to merge with 08/27/2007

CommunityBanks, Millersburg, PA.

SUSQUEHANNA BANK PA

* 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 August 4, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8

* 18C

* 3A3

* Branch

09/02/2007

08/06/2007

Fifth Third Bancorp, Cincinnati, Ohio, to acquire 

100 percent of R-G Crown Bank, FSB, 

Casselberry, Florida, pursuant to section 4(c)(8) 

of the Bank Holding Company Act

FIFTH THIRD BANCORP

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Hometown Bancshares, Inc. Middlebourne, 

West Virginia to acquire First Community 

Bancorp, Inc., St. Marys, West Virginia, 

pursuant to section 3(a)(5) of the BHCA. First 

National Bank of St. Marys, St. Marys, West 

Virginia will be merged with and into Union 

Bank, Inc., Hometown's subsidiary bank located 

in Middlebourne, West Virginia.

HOMETOWN BANCSHARES, 

INC.

* 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 August 4, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

08/27/2007

Blue Ridge Financial Corporation, Walhalla, 

South Carolina, to become a bank holding 

company by acquiring 100% of Blue Ridge Bank 

of Walhalla, Walhalla, South Carolina.

BLUE RIDGE FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3

4c8

Not available

First BanCapital Fund I, L.P., First BanCapital 

Parallel Fund I, L.P., CBCF Partners, L.P., MJR, 

LLC, MJR Financial Group, LLC: to become 

bank holding companies through the 

acquisition of up to 54.9% of the voting 

securities of Revere Bank, Laurel, Maryland (in 

organization); to retain 8.28% of the voting 

securities of NCB Holdings, Inc., Chicago, 

Illinois, and thereby indirectly hold an interest 

in New Century Bank, Chicago, Illinois; and to 

engage in private placement, investment 

advisory, and securities brokerage activities.

FIRST BANCAPITAL FUND I, 

L.P.

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Raliegh, North Carolina, 08/13/2007

proposes to establish a branch at 2920 Jones 

Franklin Road, Cary, North Carolina.

RBC CENTURA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Raleigh, North Carolina, 08/13/2007

proposes to establish a branch at 3619 Rogers 

Road, Wake Forest, North Carolina.

RBC CENTURA BANK

Newspaper:

Federal Register:

FBSEA

Not applicable

Royal Bank of Canada, Montreal, Canada, to 08/29/2007

convert its Dallas, Texas, representative office 

to a state-licensed agency.

ROYAL BANK OF CANADA

* 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 August 4, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

BancTenn Corporation, Kingsport, Tennessee, 

to acquire 20 percent of the outstanding shares 

of Paragon Commercial Corporation, and 

thereby acquire its subsidiary, Paragon 

Commercial Bank, both of Raleigh, North 

Carolina.

BANCTENN CORP.

Newspaper:

Federal Register:

* 3A5 09/02/2007

08/31/2007

The Colonial BancGroup, Inc., Montgomery, 

Alabama, to merge with Citrus & Chemical 

Bancorporation, and its subsidiary Citrus & 

Chemical Bank, both of Bartow, Florida.

COLONIAL BANCGROUP, INC., 

THE

Newspaper:

Federal Register:

* 3A3 08/24/2007

08/27/2007

FBC Bancorp, Inc., Orlando, Florida to acquire 

100 percent of the outstanding shares of Prime 

Bank, Melbourne, Florida.

FBC BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First Farmers and Merchants Bank, Columbia, 08/07/2007

Tennessee, to establish a branch located at 9040 

Carothers Parkway, Franklin, Tennessee.

FIRST FARMERS AND 

MERCHANTS BANK

Newspaper:

Federal Register:

CIC 08/14/2007

08/20/2007

Gulf Coast Bancshares, Inc., Abbeville, 

Louisiana, after-the-fact change in control 

notification by the CAP Voting Trust, Lafayette, 

Louisiana (the Trust); Patrick Oswell Patout, 

Abbeville, Louisiana, Paul D. Patout, 

Youngsville, Louisiana, and Raymond Paul 

Patout, Lafayette, Louisiana, as trustees of the 

Trust; Rae Meng Patout, Raymond Paul Patout, 

Barbara Rae Patout Landry, and Mary E. Patout 

Lacour, all of Lafayette, Louisiana; David 

Joseph Patout and Charles Arthur Patout, Jr., 

both of Baton Rouge, Louisiana; Patrick Oswell 

Patout, Abbeville, Louisiana; and Paul D. 

Patout, Youngsville, Louisiana; to collectively 

retain 24.85 percent of the outstanding shares of 

Gulf Coast Bancshares, Inc., and its subsidiary, 

Gulf Coast Bank, both of Abbeville, Louisiana.

GULF COAST BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC 07/04/2007

08/20/2007

Marco Community Bancorp, Inc., Marco Island, 

Florida, prior change in control notice filed by 

BC Qualified Family Partnership, LLLP, Naples, 

Florida, to acquire 24.84 percent of the 

outstanding shares of Marco Community 

Bancorp, Inc., and its subsidiary, Marco 

Community Bank, both of Marco Island, Florida.

MARCO COMMUNITY 

BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 08/10/2007

establish branches at the following locations: 

3365 Cobb Parkway, Acworth, Georgia, to be 

known as the Mars Hill Branch; and 340 Royal 

Palm Way, Suite 200, Palm Beach, Florida, to be 

known as the Island of Palm Beach Private 

Banking Office.

REGIONS BANK

* 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 August 4, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/31/2007

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Bancorp Colorado Ltd. II, Fort Collins, 

Colorado, to acquire 51 percent of the voting 

shares of Loveland Bank of Commerce (in 

organization), Loveland, Colorado.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3 Not available

08/31/2007

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited V, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Bank of Feather River (in 

organization), Yuba City, California.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A1 Not available

4c8 08/24/2007

Greenwoods Financial Group, Inc., Rio, 

Wisconsin, to become a bank holding company 

by acquiring 100 percent of the voting shares of 

Greenwood's Bancorporation, Inc., Lake Mills, 

Wisconsin, and thereby indirectly acquire 

Greenwoods State Bank, Lake Mills, Wisconsin, 

and to engage in insurance agency activities 

through the acquisition of The Greenwood's 

Financial Services, Inc., Lake Mills, Wisconsin.

GREENWOODS FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Level One Bancorp, Inc., Farmington Hills, 

Michigan, to become a bank holding company 

by acquiring 100 percent of the voting shares of 

Level One Bank (in organization), Farmington 

Hills, Michigan.

Level One Bancorp, Inc.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Metropolitan Bank Group, Inc., Chicago, Illinois 

and Plaza Bancorp, Inc., Chicago, Illinois, to 

acquire 100 percent of the voting shares of 

Poplar Creek Community Bank (in organization), 

Rolling Meadows, Illinois.

METROPOLITAN BANK GROUP, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

08/20/2007

Pan American Acquisition, Inc., Oak Brook, 

Illinois, to become a bank holding company by 

acquiring 100 percent of the voting shares of JD 

Financial Group, Inc., Chicago, Illinois, and 

thereby indirectly acquire Pan American Bank, 

Chicago, Illinois.

PAN AMERICAN ACQUISITION, 

INC

Newspaper:

Federal Register:

* 4c8 Not available

08/10/2007

PrivateBancorp, Inc., Chicago, Illinois, to 

acquire at least 81 percent of the voting shares 

of The PrivateBank, Kansas City, Missouri (in 

organization), and thereby operate a federal 

savings bank.

PRIVATEBANCORP, INC.

Newspaper:

Federal Register:

* 3A1 08/25/2007

08/27/2007

Sidney Bancorp., Sidney, Michigan, to become 

a bank holding company by acquiring 100 

percent of the voting shares of Sidney State 

Bank, Sidney, Michigan.

SIDNEY BANCORP

Newspaper:

Federal Register:

* 3A5 08/12/2007

08/17/2007

Southern Michigan Bancorp, Inc., Coldwater, 

Michigan, to merge with FNB Financial 

Corporation, Three Rivers, Michigan, and 

thereby indirectly acquire First National Bank of 

Three Rivers, Three Rivers, Michigan.

SOUTHERN MICHIGAN 

BANCORP, 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

NONE

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 August 4, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

BankTennessee, Collierville, Tennessee, to 08/17/2007

establish a branch facility to be located at 2915 

Forest Hill-Irene Road, Germantown, Tennessee.

BANKTENNESSEE

Newspaper:

Federal Register:

* Branch

Not applicable

BankTennessee, Collierville, Tennessee, to 08/17/2007

establish a branch facility to be located at 109 

Signature Street, Lebanon, Tennessee.

BANKTENNESSEE

Newspaper:

Federal Register:

CIC 08/22/2007

08/22/2007

Notice by Bennie F. Ryburn, Jr., and Bennie F. 

Ryburn III, as trustees of the Bennie F. Ryburn 

Family Trust, all of Monticello, Arkansas, as a 

group acting in concert to retain control of 

Bradley Bancshares, Inc., Warren, Arkansas.

BRADLEY BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

08/15/2007

Notice by the Irrevocable Trust of Doyle W. 

Rogers, Sr. and Josephine Raye Rogers, with 

Barbara R. Hoover and Doyle W. Rogers, Jr. as 

trustees, in concert with Doyle W. Rogers, Sr., 

all of Batesville, Arkansas, to increase control of 

Citizens Bancshares of Batesville, Inc., 

Batesville, Arkansas.

CITIZENS BANCSHARES OF 

BATESVILLE, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Community Bank, Cabot, Arkansas, to establish 08/16/2007

a branch facility to be located at the Northwest 

corner of Highway 5 at Greystone Boulevard, 

Cabot, Arkansas.

COMMUNITY BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, St. Louis, Missouri, to establish a 08/18/2007

branch facility to be located at 6590 Lone Tree 

Way, Brentwood, California.

FIRST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First State Bank, Conway, Arkansas, to 08/11/2007

establish a mobile branch to be operated in 

Cleburne County, Arkansas.

FIRST STATE BANK

* 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 August 4, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 08/17/2007

08/17/2007

Dakota Financial, Inc., Alexandria, Minnesota, 

to become a bank holding company by 

acquiring 100 percent of the State Bank of 

Marietta, Marietta, Minnesota.

DAKOTA FINANCIAL INC.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

U.S. Bank, N.A., Cincinnati, Ohio, through 

NOVA European Holdings Company, 

Minneapolis, Minnesota, an agreement 

corporation, to make indirect investments in 

three foreign entities, pursuant to section 

211.9(f) of Regulation K.

NOVA EUROPEAN HOLDINGS 

COMPANY

* 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

NONE

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 August 4, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 08/02/2007

09/04/2007

Carroll County Bancshares, Inc., Carrollton, 

Missouri, to acquire up to 100 percent of the 

voting shares of Farmers and Merchants Bank, 

Hale, Missouri.

CARROLL COUNTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

08/23/2007

Notification by Emmalie Gessner Cowherd, 

Carrollton, Missouri, individually, as trustee of 

the Emmalie Gessner Cowherd Revocable Living 

Trust, as personal representative of the Clifton 

R. Cowherd Estate and as a member of a family 

group; and Benjamin G. Polen, Carrollton, 

Missouri, both individually and as a member of 

a family group; to retain control of Carroll 

County Bancshares, Inc., Carrollton, Missouri, 

parent of Carroll County Trust Company of 

Carrollton, Missouri.

CARROLL COUNTY 

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

NONE

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 August 4, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 08/27/2007

08/24/2007

Legend Bancorp, Inc., Bowie, Texas, to acquire 

by merger Bonstate Bancshares, Inc., Bonham, 

Texas, and indirectly acquire Bonham Financial 

Services, Inc., Dover, Delaware, and Bonham 

State Bank, Bonham, Texas.

LEGEND BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

08/27/2007

Mineola Community Mutual Holding Company, 

Mineola, Texas, and Mineola Community 

Financial Group, Inc., Mineola, Texas, to 

become bank holding companies by acquiring 

100 percent of Mineola Community Bank, S.S.B., 

Mineola, Texas.

MINEOLA COMMUNITY 

MUTUAL HOLDING COMPANY

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Southwest Bank, Fort Worth, Texas, to merge 

with affiliate Community Bank of Texas, 

National Association, Grand Prairie, Texas, and 

to establish a branch to be located at 1106 North 

Highway 360, Suite 100, Grand Prairie, Texas 

75050.

SOUTHWEST 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 August 4, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

American Security Bank, Santa Ana, California, 08/07/2007

to establish a branch facility at 2163 Compton 

Avenue, Corona, California.

AMERICAN SECURITY BANK

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Capital Corp of the West, Merced, California, to 

acquire Bay View Funding, a company engaged 

in factoring and accounts receivable pursuant 

to section 225.23 of Regulation Y.

CAPITAL CORP OF THE WEST

Newspaper:

Federal Register:

* 18C Not available

Not applicable

County Bank, Merced, California, to purchase 

the assets and assume the liabilities of 11 

California branches of National Bank of Arizona, 

Tucson, Arizona.

COUNTY BANK

Newspaper:

Federal Register:

* 3A5 09/01/2007

09/04/2007

Sterling Financial Corporation, Spokane, 

Washington, to merge with North Valley 

Bancorp and acquire its wholly-owned 

subsidiary, North Valley Bank, both of Redding, 

California.

STERLING FINANCIAL 

CORPORATION

* 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