Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 1

Week Ending January 6, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions December 31, 2006 to January 6, 2007

Regulations And Policies

Complex Structured Finance Activities -- final Interagency Statement on Sound 

Practices Concerning Elevated Risk Complex Structured Finance Activities (Docket 

No. OP-1254).

- Announced, January 5, 2007 

(AC) = Addition or Correction Board - Page 1 of 1
December 31, 2006 to January 6, 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

Ameristate Bank, Atoka, Oklahoma -- to establish a branch at 2009 Independence 

Drive, Sherman, Texas, and increase its investment in bank premises.

- Approved, January 5, 2007 

Kansas City

First Bank, St. Louis, Missouri -- to establish a branch at 20 North Clark Street, 

Suite 100, Chicago, Illinois.

- Approved, January 4, 2007 

St. Louis

First Bank, St. Louis, Missouri -- to establish a branch at 200 Mattes Avenue, 

Vandalia, Illinois.

- Approved, January 4, 2007 

St. Louis

First State Bank, Picher, Oklahoma -- to establish a branch at 101 North Mickey 

Mantle Boulevard, Commerce.

- Approved, January 5, 2007 

Kansas City

IBERIABANK, Lafayette, Louisiana -- to establish a branch at 2635 Veterans 

Memorial Drive, Abbeville.

- Approved, January 4, 2007 

Atlanta

RBC Centura Bank, Raleigh, North Carolina -- to establish a branch at 3685 Dallas 

Highway, Marietta, Georgia.

- Approved, January 5, 2007 

Richmond

RBC Centura Bank, Raleigh, North Carolina -- to establish a branch at 293 Pharr 

Road, Atlanta, Georgia.

- Approved, January 5, 2007 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 4
H.2 Actions under delegated authority December 31, 2006 to January 6, 2007

Bank Branches, Domestic

Susquehanna Patriot Bank, Marlton, New Jersey -- to establish a branch at Second 

Avenue, Route 29, Collegeville, Pennsylvania.

- Approved, January 2, 2007 

Philadelphia

Bank Holding Companies

Banca Intesa S.p.A., Milan, Italy -- request for a temporary exemption to engage in 

certain nonbanking activities in the United States as a result of its proposed merger 

with Sanpaolo IMI S.p.A., Turin.

- Granted, December 21, 2006 (AC)

General Counsel

Brand Group Holdings, Inc., Lawrenceville, Georgia -- to engage in mortgage 

lending activities through indirect ownership of 51 percent of Mortgage Group, 

LLC, in connection with the proposal of The Brand Banking Company to make a 51 

percent investment in Brand Mortgage Group, LLC.

- Withdrawn, January 2, 2007 

Atlanta

Columbian Financial Corporation, Overland Park, Kansas -- to acquire The Bank, 

Weatherford, Texas

- Withdrawn, January 5, 2007 

Kansas City

First Independent Bancorp, Inc., Chickasha, Oklahoma -- to acquire Cyril State 

Bank, Cyril.

- Approved, January 4, 2007 

Kansas City

(AC) = Addition or Correction Delegated - Page 2 of 4
H.2 Actions under delegated authority December 31, 2006 to January 6, 2007

Bank Holding Companies

The First National Bank in Wadena Employee Stock Ownership Plan and Trust, 

Wadena, Minnesota -- to become a bank holding company and to acquire 29.6 

percent of the shares of FNB Acquisition Holding Corporation; for FNB 

Acquisition Holding Corporation to become a bank holding company and to acquire 

The First National Agency of Wadena, Inc. and thereby acquire The First National 

Bank in Wadena; and for the two bank holding companies to engage, through The 

First National Agency of Wadena, Inc., in insurance agency activities in a town 

with a population not exceeding 5,000.

- Approved, January 3, 2007 

Minneapolis

Full Service Insurance Agency, Inc., Buxton, North Dakota -- to engage de novo in 

the activity of making loans and holding notes.

- Approved, January 5, 2007 

Minneapolis

Guardian Bancshares, Inc., Sylacauga, Alabama -- to become a bank holding 

company and to acquire Alabama Trust Bank, National Association; and for 

Alabama Trust Bank, National Association to merge with Alabama Trust Interim 

National Bank.

- Approved, January 5, 2007 

Atlanta

LINCO Bancshares, Inc., Clayton, Missouri -- to become a bank holding company 

and to acquire Centennial Bancshares Corporation, Elsberry, and thereby acquire 

Bank of Lincoln County.

- Approved, January 5, 2007 

St. Louis

Mackey Banco, Inc., Ansley, Nebraska -- to engage in general insurance activities 

through the acquisition of Ansley Agency, Inc.

- Approved, January 4, 2007 

Kansas City

MS Financial, Inc., Kingwood, Texas -- to become a bank holding company and to 

acquire Main Street Bank.

- Approved, January 5, 2007 

Dallas

(AC) = Addition or Correction Delegated - Page 3 of 4
H.2 Actions under delegated authority December 31, 2006 to January 6, 2007

Bank Holding Companies

Oakland Financial Services, Inc., Oakland, Iowa -- to acquire Southwest Company, 

Sidney, and its subsidiary, First Community Bank, and thereby engage in the 

operation of a savings association; and to acquire Otoe County Bancorporation, 

Inc., Nebraska City, Nebraska, and its subsidiary, Otoe County Bank & Trust 

Company.

- Approved, January 5, 2007 

Kansas City

TriState Capital Holdings, Inc., Pittsburgh, Pennsylvania -- to acquire TriState 

Capital Bank, a de novo bank, and to become a bank holding company.

- Approved, January 5, 2007 

Cleveland

Bank Premises

Farmers Bank of Lincoln, Lincoln, Missouri -- to increase its investment in bank 

premises.

- Approved, January 3, 2007 

Kansas City

Banks, Foreign

Banca Intesa S.p.A., Milan, Italy -- request to proceed with the merger with 

Sanpaolo IMI S.p.A., Turin, before Board action on Banca Intesa's application to 

establish an office in the United States.

- Approved, December 21, 2006 (AC)

General Counsel

Membership

SmartBank, Pigeon Forge, Tennessee, a de novo bank -- to become a member of the 

Federal Reserve System.

- Approved, January 3, 2007 

Atlanta

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on December 12, 2006.

- Published, January 3, 2007 

FOMC

(AC) = Addition or Correction Delegated - Page 4 of 4
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending January 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

01/26/2007

Bangor Bancorp, MHC, Bangor, Maine to

become a bank holding company pursuant to

section 3(a)(1) of the BHC Act in connection

with the reorganization of Bangor Savings

Bank, Bangor, Maine, into a mutual bank

holding company structure.

BANGOR BANCORP, MHC

Newspaper:

Federal Register:

* 3A3 Not available

01/05/2007

Danvers Bancorp, Inc., Danvers,

Massachusetts to acquire BankMalden, A

Co-operative Bank, Malden, Massachusetts

pursuant to section 3(a)(3) of the BHC Act.

DANVERS BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 01/22/2007

Application by Spencer MHC and Spencer

Mid-tier Holding Company, both of Spencer,

Massachusetts, to become a mutual bank

holding company and stock bank holding

company, respectively, by acquiring Spencer

Savings Bank, Spencer, Massachusetts,

pursuant to sections 3(a)(1) and 3(a)(3) of the

Bank Holding Company Act of 1956, as

amended.

Spencer MHC

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Filing by State Street Bank and Trust

Company, Boston, Massachusetts (SSBT) to

invest up to 18% of SSBT's capital and surplus

in its Edge and Agreement corporation

subsidiaries pursuant to Section 211.5(h) of

Regulation K and to provide Prior Notice for

SSBT's Edge subsidiary, State Street

International Holdings, Boston, Massachusetts

(SSIH) to invest an additional $100 million

into SSIH's wholly-owned subsidiary, State

Street Bank GmbH, Munich, Germany,

pursuant to Section 211.9(f) 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 January 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

30 days' prior

notice by Citibank, N.A., Las Vegas,

Nevada,("Citibank"),and Citibank Overseas

Investment Corporation, New Castle, Delaware

("COIC"), under Section 25A of the Federal

Reserve Act and Section 211.9(f) of Regulation

K, for an additional investment 

in Citibank Investment Limited

("CIL"), headquartered in the United

Kingdom, in connection with CIL's acquisition

of Quilter Holdings Limited, London, United

Kingdom.

CITIBANK, N.A.

Newspaper:

Federal Register:

* Branch

Not applicable

Peapack-Gladstone Bank, Gladstone, New 01/18/2007

Jersey request approval to open a new branch

located at 20 Woodland Avenue, City of

Summit, Union County, New Jersey.

PEAPACK-GLADSTONE

BANK

* 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 January 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 02/06/2007

02/02/2007

Community Banks, Inc., Harrisburg, PA, to

acquire 100% of the voting shares of BUCS

Financial Corp., Owings Mills, MD.

COMMUNITY BANKS, INC.

* 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

765019 BRYN MAWR TC, BRYN MAWR, PENNSYLVANIA 07/31/2006 12/22/2006 S Int Sm Bank

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 January 6, 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:

* 3A3

Not available

Middlefield Banc Corp., Middlefield, Ohio to 01/27/2007

acquire 100 percent of the voting shares of

Emerald Bank, Dublin, Ohio

MIDDLEFIELD BANC CORP.

Newspaper:

Federal Register:

* 3A5 Not available

01/26/2007

Park National Corporation, Newark, Ohio, to

acquire 100 percent of Vision Bancshares, Inc.,

Panama City, Florida, and thereby indirectly

acquire Vision Bank, Gulf Shores, Alabama,

and Vision Bank, Panama City, Florida

PARK NATIONAL

CORPORATION

* 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

212522 SOMERSET TC, SOMERSET, PENNSYLVANIA 10/16/2006 01/02/2007 S Large Bank

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 January 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of the Commonwealth, Norfolk, 01/19/2007

Virginia, proposes to establish a branch at

8468 Caratoke Highway, Powells Point, North

Carolina.

BANK OF THE

COMMONWEALTH

* 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 January 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

Not available

First Citizens Financial Corporation, 01/29/2007

Dawsonville, Georgia, to become a bank

holding company by acquiring 100 percent of

the outstanding shares of First Citizens Bank

of Georgia, Dawsonville, Georgia (in

organization).

First Citizens Financial

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

1160509 PREMIER BK OF THE S, GOOD HOPE, ALABAMA 09/11/2006 01/01/2007 S Small Bank

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 January 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

02/02/2007

Capitol Bancorp, Ltd., Lansing, Michigan and

Capitol Development Bancorp Limited VI,

Lansing, Michigan, to acquire 51 percent of

the voting shares of Sunrise Community Bank

(in organization), Palm Desert, California.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3

Not available

Grant County State Bancshares, Inc. Employee 01/31/2007

Stock Ownership Plan, Swayzee, Indiana, to

increase its ownership to 42 percent of the

outstanding voting shares of Grant County

State Bancshares, Inc., Swayzee, Indiana, as a

result of a stock redemption, and thereby

increase its indirect ownership of Grant County

State Bank, Swayzee, Indiana.

GRANT COUNTY STATE

BANCSHARES, INC,

EMPLOYEES STOCK

OWNERSHIP PLAN

Newspaper:

Federal Register:

* 3A1 01/27/2007

01/26/2007

Lotus Bancorp, Inc., Novi, Michigan, to

become a bank holding company by acquiring

100 percent of the voting shares of Lotus Bank

(in organization), Novi, Michigan.

LOTUS BANCORP, INC.

Newspaper:

Federal Register:

* 3A5 01/15/2007

01/22/2007

Marshall & Ilsley Corporation, Milwaukee,

Wisconsin, to acquire 100 percent of the

outstanding capital stock of United Heritage

Bankshares of Florida, Inc., Orlando, Florida,

and thereby indirectly acquire United Heritage

Bank, Orlando, Florida.

MARSHALL & ILSLEY

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

02/02/2007

Millennium Bancorp, Inc., Morton Grove,

Illinois, to become a bank holding company by

acquiring 100 percent of the voting shares of

Millennium Bank (in organization), Des

Plaines, Illinois.

MILLENNIUM BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Premier Bank, Dubuque, Iowa, to establish a 01/06/2007

bank-owned courier service that will serve

Dubuque County in Iowa.

PREMIER BANK

Newspaper:

Federal Register:

CIC Not available

01/05/2007

Notification by Thomas M. Marcuccilli and

James C. Marcuccilli, both of Fort Wayne,

Indiana and their immediate families to retain

control of 18.5 percent of the outstanding

shares of STAR Financial Group, Inc., Fort

Wayne, Indiana, and indirectly STAR

Financial Bank, Fort Wayne, Indiana.

STAR FINANCIAL GROUP,

INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

State Center Financial, Inc., State Center,

Iowa, to engage in extending credit and

servicing loans, pursuant to Section

225.28(b)(1) of Regulation Y.

STATE CENTER FINANCIAL,

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

711548 CHELSEA ST BK, CHELSEA, MICHIGAN 09/18/2006 01/04/2007 S Small Bank

879747 FARMERS ST BK OF WAUPACA, WAUPACA, WISCONSIN 10/02/2006 01/04/2007 S 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 January 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, St. Louis, Missouri, to establish a 01/04/2007

branch facility to be located at 710 Olive

Street, St. Louis, Missouri.

FIRST BANK

Newspaper:

Federal Register:

* 3A1 02/01/2007

02/02/2007

Stifel Financial Corp., St. Louis, Missouri, to

become a bank holding company by acquiring

100 percent of First Service Financial

Company, St. Louis, Missouri, and thereby

indirectly acquire FirstService Bank,

Crestwood, Missouri.

STIFEL FINANCIAL 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 January 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 01/08/2007

01/08/2007

First National Financial Services, Inc., Elk

River, Minnesota to acquire 100 percent of

Maple Lake Bancorporation, Edina, Minnesota

and thereby indirectly acquire Security State

Bank of Maple Lake, Maple Lake, Minnesota.

FIRST NATIONAL FINANCIAL

SERVICES INC.

Newspaper:

Federal Register:

* 3A3 01/13/2007

01/16/2007

First Sleepy Eye Bancorporation, Inc., Sioux

Falls, South Dakota to acquire 100 percent of

Lake Benton Bancorporation, Inc., Sioux Falls,

South Dakota and thereby indirectly acquire

First Security Bank-Lake Benton, Lake

Benton, Minnesota.

FIRST SLEEPY EYE

BANCORPORATION, INC.

Newspaper:

Federal Register:

CIC 01/11/2007

01/08/2007

Notice by Harley Allen Hanson, Mahnomen,

Minnesota, to gain control of Mahnomen

Bancshares, Inc., Mahnomen, Minnesota, and

thereby indirectly gain control of First National

Bank in Mahnomen, Mahnomen, Minnesota.

MAHNOMEN BANCSHARES,

INC.

Newspaper:

Federal Register:

CIC Not available

01/16/2007

Notice by Dan L. Rorvig, McVille, North

Dakota; Teresa L. Rorvig, McVille, North

Dakota; Robert J. Fossum, Forest River, North

Dakota; and Troy D. Olson, Cooperstown,

North Dakota, acting as a group in concert to

gain control of McVille Financial Services,

Inc., McVille, North Dakota, and thereby

indirectly gain control of Mcville State Bank,

McVille, North Dakota.

MCVILLE FINANCIAL

SERVICES, INC.

* 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

786555 PEOPLES ST BK OF PLAINVIEW, PLAINVIEW, MINNESOTA 09/06/2006 12/27/2006 S Small Bank

960159 SUPERIOR BK, SUPERIOR, WISCONSIN 09/25/2006 01/02/2007 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 January 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

01/12/2007

Blue Valley Ban Corp., to acquire 100 percent

of the voting shares of Unison Bancorp, Inc.,

parent Western National Bank, both of Lenexa,

Kansas.

BLUE VALLEY BAN CORP.

Newspaper:

Federal Register:

CIC Not available

01/18/2007

Notice by David E. Pfrang, Goff, Kansas, and

Judy L. Georg, Sabetha, Kansas, to become

members of a group acting in concert, to

acquire control of Farmers State Bankshares,

Inc., parent of Farmers State Bank, both in

Circleville, Kansas.

FARMERS STATE

BANKSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

01/08/2007

Notification by Lynda L. Cameron,

Wellington, Florida, to acquire control of First

Fidelity Bancorp, Inc., parent of First Fidelity

Bank, N.A., both in Oklahoma City,

Oklahoma.

FIRST FIDELITY BANCORP,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

* 18C

* Branch

01/05/2007

First State Bancorporation, Albuquerque, New

Mexico, to acquire 100 percent of the voting

shares of Front Range Capital Corporation,

parent of Heritage Bank, both in Louisville,

Colorado. First Community Bank, Taos, New

Mexico, to merge with Heritage Bank,

Louisville, Colorado, and incident thereto, to

establish thirteen branches at 2775 Pearl Street

and 1900 Ninth Street, both in Boulder; 811

South Public Road and 2695 North Park Drive,

Suite 101, both in Lafayette; 1543 Wazee

Street and 3850 York Street, both in Denver;

1020 Century Drive and 801 Main Street, both

in Louisville; Erie, Broomfield, Longmont,

Niwot, and Firestone, all in Colorado.

FIRST STATE

BANCORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

01/29/2007

Frontier Holdings, LLC, Omaha, Nebraska, to

acquire 100 percent of the voting shares of

Pender State Bank, Pender, Nebraska. Frontier

Management, LLC, Omaha, Nebraska, to

acquire 100 percent of the voting shares of

Pender State Bank, Pender, Nebraska, by virtue

of its control of the affairs of Frontier

Holdings, LLC, Omaha, Nebraska.

FRONTIER HOLDINGS, LLC

Newspaper:

Federal Register:

CIC Not available

01/24/2007

Notification by Kris Ann Carson, Mulvane,

Kansas, as co-trustee of the Frank L. Carson,

III Trust No. 1, to retain control of Mulvane

Bankshares, Inc., parent of Mulvane State

Bank, both in Mulvane, Kansas.

MULVANE BANKSHARES,

INC.

Newspaper:

Federal Register:

* 3A3 02/04/2007

02/02/2007

Nodaway Valley Bancshares, Inc., Maryville,

Missouri, to acquire 100 percent of the voting

shares of Exchange Bank, Mound City,

Missouri.

NODAWAY 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

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 January 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

2942823 UNITED BK OF EL PASO DEL NORTE, EL PASO, TEXAS 07/17/2006 12/06/2006 S Small Bank

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 January 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

02/05/2007

Security Pacific Bancorp, Los Angeles,

California, to acquire up to 24.9 percent of

Pacific Premier Bancorp, Inc., and thereby

indirectly acquire shares of its subsidiary,

Pacific Premier Bank, both of Costa Mesa,

California.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Franklin Resources, Inc., San Mateo,

California, to retain control of 24.4 percent of

First Chicago Bancorp, and thereby indirectly

retain control of its subsidiary, First Chicago

Bank & Trust, both of Chicago, Illinois.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

CIC Not available

01/03/2007

Notice by Stuart J. Shelk, Jr., Linda S. Shelk,

Clark J. Shelk Trust UA, Anne Marie Shelk

Trust UA, and John B. Shelk Trust UA, Powell

Butte, Oregon, to increase their ownership to

10.58 percent, collectively, in Prineville

Bancorporation and thereby indirectly control

its subsidiary, Community First Bank, both of

Prineville, Oregon.

PRINEVILLE

BANCORPORATION

* 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