Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 13

Week Ending March 31, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions March 25, 2007 to March 31, 2007

Bank Holding Companies

Bank of America Corporation, Charlotte, North Carolina -- to acquire U.S. Trust 

Corporation, New York, New York, and United States Trust Company, National 

Association.

- Approved, March 26, 2007 

Regulations And Policies

Reports to Congress -- interagency reports on federal banking agencies' efforts to 

coordinate examinations as required by section 305 of the Riegle Community 

Development and Regulatory Improvement Act, and on capital and accounting 

differences among the agencies as required by section 37(c) of the Federal Deposit 

Insurance Act.

- Approved, March 26, 2007 

Testimony And Statements

Economic Outlook -- statement by Chairman Bernanke before the Joint Economic 

Committee of the U.S. Congress.

- Published, March 28, 2007 

Subprime Mortgages -- statement of Sandra F. Braunstein, Director, Division of 

Consumer and Community Affairs, before the Subcommittee on Financial 

Institutions and Consumer Credit, House Committee on Financial Services.

- Published, March 27, 2007 

(AC) = Addition or Correction Board - Page 1 of 1
March 25, 2007 to March 31, 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

BankEast, Knoxville, Tennessee -- to establish a branch at 10626 Hardin Valley 

Road.

- Approved, March 29, 2007 

Atlanta

BankEast, Knoxville, Tennessee -- to establish a branch at 7971 East Lamar 

Alexander Parkway, Townsend.

- Approved, March 30, 2007 

Atlanta

Community Bank-Missoula, Inc., Missoula, Montana -- to establish a branch at 

3200 Brooks Street.

- Approved, March 30, 2007 

Minneapolis

Cumberland Bank, Franklin, Tennessee -- to establish branches at 1470 South 

Church Street, Murfreesboro, and 9200 Carothers Parkway, Franklin.

- Withdrawn, March 28, 2007 

Atlanta

East West Bank, Pasadena, California -- to establish an in-store branch at 2959 

Chino Avenue, Chino Hills.

- Approved, March 30, 2007 

Secretary

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 1495 North 

Rock Springs Road, Apopka, Florida.

- Approved, March 28, 2007 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 16509 Fish 

Hawk Boulevard, Tampa, Florida.

- Approved, March 28, 2007 

Cleveland

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority March 25, 2007 to March 31, 2007

Bank Branches, Domestic

Monarch Bank, Chesapeake, Virginia -- to establish a branch known as OBX Bank 

at 3708 Croatan Highway North, Unit 1, Kitty Hawk, North Carolina.

- Approved, March 28, 2007 

Richmond

Presidio Bank, San Francisco, California -- to establish a branch at 703 2nd Street, 

Santa Rosa.

- Approved, March 27, 2007 

Secretary

RBC Centura Bank, Raleigh, North Carolina -- to establish a branch at 169 Dauphin 

Street, Suite 319, Mobile, Alabama.

- Approved, March 28, 2007 

Richmond

Sterling Bank, Lantana, Florida -- to establish a branch at 600 North Federal 

Highway, Boca Raton.

- Approved, March 29, 2007 

Atlanta

Bank Holding Companies

Amboy Bancorporation Employee Stock Ownership Plan, Old Bridge, New 

Jersey -- to become a bank holding company and to acquire up to 26 percent of the 

shares of Amboy Bancorporation.

- Approved, March 28, 2007 

New York

American United Bancorp, Inc., Lawrenceville, Georgia -- to become a bank 

holding company and to acquire American United Bank.

- Approved, March 29, 2007 

Atlanta

Assabet Valley Bancorp, Hudson, Massachusetts -- to acquire Westborough 

Bancorp, MHC, Westborough, Westborough Financial Services, Inc., and The 

Westborough Bank.

- Approved, March 27, 2007 

Boston

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority March 25, 2007 to March 31, 2007

Bank Holding Companies

Associated Banc-Corp, Green Bay, Wisconsin -- to acquire First National Bank of 

Hudson, Woodbury, Minnesota.

- Approved, March 30, 2007 

Chicago

The Bank of Kentucky Financial Corporation, Crestview Hills, Kentucky -- waiver 

of application to acquire and merge with FNB Corporation, Inc., Fort Mitchell.

- Granted, March 26, 2007 

Cleveland

Calusa Financial Corporation, Inc., Punta Gorda, Florida -- to become a bank 

holding company and to acquire Calusa National Bank, a de novo bank.

- Approved, March 29, 2007 

Atlanta

Capital One Financial Corporation, McLean, Virginia -- waiver of application for 

Capital One, F.S.B. to convert to a national bank in connection with its merger with 

Capital One, National Association, New Orleans, Louisiana, as part of an internal 

reorganization.

- Withdrawn, March 26, 2007 

Richmond

Community State Bank Employee Stock Ownership Plan and Trust, Union Grove, 

Wisconsin -- to increase its ownership to 35.52 percent of the shares of Union 

Bancorporation, Inc. and thereby increase its indirect ownership of Community 

State Bank.

- Approved, March 28, 2007 

Chicago

Credit Suisse Group, Zurich, Switzerland, and Credit Suisse -- to engage on a 

limited basis in physical commodity trading activities.

- Approved, March 27, 2007 

Director, BS&R

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority March 25, 2007 to March 31, 2007

Bank Holding Companies

Farmers and Drovers Financial Corp, Council Grove, Kansas -- to become a bank 

holding company and to acquire Farmers and Drovers Bank.

- Approved, March 29, 2007 

Kansas City

First Guaranty Bancshares, Inc., Hammond, Louisiana -- to become a bank holding 

company and to acquire First Guaranty Bank.

- Withdrawn, March 27, 2007 

Atlanta

Gillmor Financial Services, Inc., Old Fort, Ohio -- to acquire 4.99 percent of the 

shares of Panther Community Bank, N.A., Lehigh Acres, Florida.

- Withdrawn, March 26, 2007 

Cleveland

Greene County Bancshares, Inc., Greeneville, Tennessee -- to acquire Civitas 

Management Company, Inc., Franklin, and thereby engage in making, acquiring, 

brokering, or servicing loans or other extensions of credit.

- Approved, March 29, 2007 

Atlanta

John T. Vucurevich Foundation, Rapid City, South Dakota -- to become a bank 

holding company and to retain control of United Bancorporation, Osseo, Wisconsin, 

and Midwest Bancorporation.

- Approved, March 30, 2007 

Minneapolis

Kansas Pacific Investments, LLC, Hays, Kansas -- to become a bank holding 

company and to acquire First National Bank.

- Approved, March 27, 2007 

Kansas City

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority March 25, 2007 to March 31, 2007

Bank Holding Companies

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- waiver of application in 

connection with Marshall & Ilsley Corporation's divestiture of shares of United 

Heritage Bank, Longwood, Florida, to an unaffiliated bank holding company, 

Fidelity Southern Corporation, Atlanta, Georgia.

- Granted, March 29, 2007 

Secretary

Otto Bremer Foundation, St. Paul, Minnesota, and Bremer Financial Corporation -- 

to acquire, through Bremer Insurance Agencies, Inc., certain assets of Buchmeier 

Agency, Inc., and thereby engage in insurance agency activities.

- Approved, March 26, 2007 

Minneapolis

Pinnacle Bancorp, Inc., Central City, Nebraska -- to acquire Farmers and Merchants 

Bank, Imperial.

- Approved, March 28, 2007 

Kansas City

Trinity Investments, Inc., Fargo, North Dakota -- to become a bank holding 

company and to acquire Bank of Glen Ullin, Glen Ullin.

- Approved, March 29, 2007 

Minneapolis

Bank Mergers

Isabella Bank and Trust, Mount Pleasant, Michigan -- to merge with FSB Bank, 

Breckenridge, and thereby establish five branches.

- Approved, March 28, 2007 

Chicago

Change In Bank Control

Antelope Bancshares, Inc., Elgin, Nebraska -- change in bank control.

- Permitted, March 28, 2007 

Kansas City

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority March 25, 2007 to March 31, 2007

Change In Bank Control

Cunningham Agency, Inc., Mound City, Kansas -- to retain control of Cunningham 

Agency, Inc.

- Permitted, March 29, 2007 

Kansas City

First Heritage Corporation, Carthage, Mississippi -- change in bank control.

- Permitted, March 29, 2007 

Atlanta

Gulfport Bancshares of Delaware, Inc., Richwood, Texas -- change in bank control.

- Permitted, March 29, 2007 

Dallas

Hillcrest Bancshares, Inc., Overland Park, Kansas -- to retain control of Hillcrest 

Bancshares, Inc.

- Permitted, March 28, 2007 

Kansas City

McVille Financial Services, Inc., McVille, North Dakota -- change in bank control.

- Permitted, March 30, 2007 

Minneapolis

Extensions Of Time

Colorado Community Bank, Yuma, Colorado -- extension to July 7, 2007, to 

establish a branch at 4625 Trail Boss Drive, Castle Rock.

- Granted, March 28, 2007 

Kansas City

Conestoga Bancorp, Inc., Chester Springs, Pennsylvania -- extension to June 1, 

2007, to acquire PSB Bancorp, Inc., Philadelphia, in connection with the merger of 

Conestoga Bank, Chester Springs, with First Penn Bank, Philadelphia.

- Granted, March 28, 2007 

Philadelphia

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority March 25, 2007 to March 31, 2007

Extensions Of Time

Dacotah Bank, Aberdeen, South Dakota -- extension to June 30, 2007, to establish a 

branch at 1231 East 57th Street, Sioux Falls.

- Granted, March 26, 2007 

Minneapolis

International Brotherhood of Boilermakers, Iron Ship Builders, Blacksmiths, 

Forgers and Helpers, Kansas City, Kansas -- extension to March 28, 2008, to 

acquire up to 47.5 percent of the shares of Brotherhood Bancshares, Inc.

- Granted, March 27, 2007 

Kansas City

Virginia Community Bank, Louisa, Virginia -- extension to April 14, 2007, to 

establish a branch at U.S. Routes 15 and 250, Zion Crossroads.

- Granted, March 28, 2007 

Richmond

Financial Holding Companies

First Cherokee Bancshares, Inc., Woodstock, Georgia -- election to become a 

financial holding company.

- Effective, March 27, 2007 

Atlanta

International Operations

J.P. Morgan International Finance Limited, Newark, Delaware -- waiver of 

remainder of notification period to make an investment.

- Granted, March 30, 2007 

Director, BS&R

State Street Bank and Trust Company, Boston, Massachusetts, State Street 

International Holdings, and CitiStreet International, LLC, Quincy, Massachusetts -- 

to engage in the activity of mutual fund administration.

- Approved, March 30, 2007 

Director, BS&R

(AC) = Addition or Correction Delegated - Page 7 of 7
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending March 31, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5

4c8

04/26/2007

Notification by Boston Private Financial

Holdings, Inc., Boston, MA to acquire Charter

Financial Corporation, Bellevue, WA and its

subsidiaries, Charter Bank, Bellevue, WA and

Banc Support, Inc., Kent, WA, pursuant to

sections 3(a)(3), 3(a)(5) and 4(c)(8) of the

Bank Holding Company Act of 1956, as

amended.

BOSTON PRIVATE

FINANCIAL HOLDINGS, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Section 4(c)(8) notification by Boston Private

Financial Holdings, Inc., Boston, MA to

acquire a 0.3% additional interest in Bingham,

Osborn & Scarborough LLC, San Francisco,

CA.

BOSTON PRIVATE

FINANCIAL HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5 04/12/2007

MountainOne Financial Partners, MHC and

MountainOne Financial Partners, Inc., both of

North Adams, Massachusetts, to acquire South

Coastal Holdings, MHC and its subsidiary

bank, South Coastal Bank, both of Rockland,

Massachusetts, pursuant to sections 3(a)(3) and

3(a)(5) of the Bank Holding Company Act of

1956, as amended.

MOUNTAINONE FINANCIAL

PARTNERS, MHC

Newspaper:

Federal Register:

* 18C Not available

Not applicable

State Street Bank and Trust Company, Boston,

Massachusetts (SSBT) to merge with Investors

Bank & Trust Company, Boston,

Massachusetts, with SSBT as the surviving

entity.

STATE STREET BANK AND

TRUST COMPANY

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Application by State Street Bank and Trust

Company, Boston, Massachusetts (SSBT) to

retain the main office of Investors Bank &

Trust Company, Boston, Massachusetts (IBT),

located at 200 Clarendon Street, Boston,

Massachusetts, and to operate that office as a

branch pursuant to section 9 of the Federal

Reserve Act and section 208.6 of Regulation H,

subsequent to the merger of SSBT and IBT.

STATE STREET BANK AND

TRUST COMPANY

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5 04/19/2007

Application by State Street Corporation,

Boston, Massachusetts to acquire Investors

Financial Services Corporation, and its

subsidiary bank, Investors Bank & Trust

Company, both of Boston, Massachusetts,

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

Bank Holding Company Act of 1956, as

amended.

STATE STREET

CORPORATION

* 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 March 31, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 04/23/2007

04/23/2007

Australia and New Zealand Banking Group

Limited, Melbourne, Australia to acquire

Citizens Bancorp and indirectly its wholly

owned subsidiary, Citizen's Security Bank,

both located in Hagatna, Guam.

AUSTRALIA AND NEW

ZEALAND BANKING GROUP

LIMITED

Newspaper:

Federal Register:

Other Foreign Not available

Not applicable

Banco Santander International, Miami,

Florida, an Edge Corporation held by Banco

Santander Central Hispano, Madrid, Spain, to

establish a domestic branch in Seattle,

Washington.

BANCO SANTANDER

INTERNATIONAL

Newspaper:

Federal Register:

FBSEA

Not applicable

The Hongkong and Shanghai Banking 04/29/2007

Corporation Limited, Hong Kong Special

Administrative Region, People's Republic of

China, request prior notice to establish an

additional representative office in the United

States.

HONGKONG AND SHANGHAI

BANKING CORPORATION

LIMITED, THE

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

JP Morgan Structured Fund Management SAS

("JPMSFM") an indirect subsidiary of JP

International Finance Limited ("JPMIF"), an

Edge corporation and an indirect subsidiary of

JPMorgan Chase Bank, National Association,

Newark, Delaware, submits notice to permit

the investment by a fund structure advised and

deemed controlled by JPMSFM to make

portfolio investments in underlying funds in

the amount greater than U.S. $25 million.

JPMORGAN CHASE & CO.

* 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 March 31, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 March 31, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 04/05/2007

establish a branch at 3244 East Colonial Drive,

Orlando, FL.

FIFTH THIRD BANK

* 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 March 31, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

Not applicable

Capital One Bank, Glen Allen, Virginia, to 04/16/2007

acquire certain assets and assume certain

liabilities of Capital One, F.S.B., McLean,

Virginia.

CAPITAL ONE BANK

Newspaper:

Federal Register:

* 3A3 Not available

* 18C

* Branch

Not available

Gateway Financial Holdings, Inc., Virginia

Beach, Virginia, to acquire 100% of the voting

securities of The Bank of Richmond, N.A.,

Richmond, Virginia.

GATEWAY FINANCIAL

HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

Not available

Sandy Spring Bancorp., Inc., Olney, Maryland,

to acquire 100% of the voting securities of CN

Bancorp, Inc., Glen Burnie, Maryland, and

thereby indirectly acquire County National

Bank, Glen Burnie, Maryland.

SANDY SPRING BANCORP,

INC.

* 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 March 31, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 04/16/2007

04/23/2007

CNLBancshares, Inc., Orlando, Florida, to

acquire 100 percent of the outstanding shares

of CNLBank, Southwest Florida, Bonita

Springs, Florida (in organization).

CNLBANCSHARES, INC.

Newspaper:

Federal Register:

* 4c8 04/28/2007

04/23/2007

First Guaranty Bancshares, Inc., Hammond,

Louisiana, to acquire 100 percent of the

outstanding shares of Homestead Bancorp,

Inc., and its subsidiary, Homestead Bank, both

of Ponchatoula, Louisiana, and thereby engage

in operating a savings association.

FIRST GUARANTY

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 04/27/2007

04/20/2007

First Guaranty Bancshares, Inc., Hammond,

Louisiana, to become a bank holding company

by acquiring 100 percent of the outstanding

shares of First Guaranty Bank, Hammond,

Louisiana.

FIRST GUARANTY

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 04/29/2007

04/23/2007

First IC Financial Corp., Doraville, Georgia, to

become a bank holding company by acquiring

100 percent of the outstanding shares of First

Intercontinental Bank, Doraville, Georgia.

FIRST IC FINANCIAL CORP.

Newspaper:

Federal Register:

* 3A3 04/18/2007

04/23/2007

Gateway Financial Holdings of Florida, Inc.,

Ormond Beach, Florida, to acquire 100 percent

of the outstanding shares of Gateway Bank of

Central Florida, Ocala, Florida (in

organization).

GATEWAY FINANCIAL

HOLDINGS OF FLORIDA, INC.

Newspaper:

Federal Register:

* 3A1 04/20/2007

04/20/2007

Independent Bancshares, Inc. Employee Stock

Ownership Plan, Red Bay, Alabama, to become

a bank holding company by retaining 25.76

percent of the outstanding shares of

Independent Bancshares, Inc., and its

subsidiaries, Community Spirit Bank, both of

Red Bay, Alabama, Spirit Bancshares, Inc.,

and Spirit Bank, both of Belmont, Mississippi.

INDEPENDENT

BANCSHARES, INC.

EMPLOYEE STOCK

OWNERSHIP PLAN

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 03/30/2007

establish branches at the following locations:

607 Dunlawton Avenue, Port Orange, Florida,

to be known as the Dunlawton East Branch,

and 2410 South Ridgewood Avenue, Daytona,

Florida, to be known as the South Daytona

Branch.

REGIONS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 04/06/2007

a branch located at 276 East Bay Street,

Charleston, South Carolina, to be known as the

East Bay Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

SunTrust Bank, Atlanta, Georgia, proposes to

acquire equity securities to hedge its exposure

to equity derivative transactions.

SUNTRUST 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

3350658 FIRST VISION BK OF TN, TULLAHOMA, TENNESSEE 12/04/2006 03/25/2007 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 March 31, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

04/13/2007

1st Source Corporation, South Bend, Indiana,

to acquire 100 percent of the voting shares of

FINA Bancorp, Inc., Valparaiso, Indiana, and

thereby indirectly acquire First National Bank

of Valparaiso, Valparaiso, Indiana.

1ST SOURCE CORPORATION

Newspaper:

Federal Register:

* 4c8 04/06/2007

04/16/2007

Capitol Bancorp, Ltd., Lansing, Michigan and

Capitol Development Bancorp Limited V,

Lansing, Michigan, to convert Ohio Commerce

Bank, Beachwood, Ohio and Bank of Maumee,

Maumee, Ohio, into thrift institutions and

thereby operate a savings associations.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Centrue Bank, Streator, Illinois, to merge with

Bank 10, Belton, Missouri, and thereby to

establish 5 branches, and the related

application by Centrue Bank, Streator, Illinois,

to establish a branch at 7700 Bonhomme,

Clayton, Missouri.

CENTRUE BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Chemical Bank, Midland, Michigan, to 03/28/2007

establish two branches to be located at 821 S.

Cambridge Street, Midland, Michigan and 300

Kennely Road, Saginaw, Michigan.

CHEMICAL BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

five branches at the following locations:

Woodridge & I-610, Houston, Texas, Buffalo

Speedway & US Hwy 59, Houston, Texas, Bay

Area Blvd. & I-45, Webster, Texas, 110 E.

John Carpenter Fwy, Irving, Texas, and 4581

Frankford Road, Dallas, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* 3A5 04/21/2007

04/16/2007

Firstbank Corporation, Alma, Michigan, to

merge with ICNB Financial Corporation,

Ionia, Michigan, and thereby indirectly acquire

Ionia County National Bank of Ionia, Ionia,

Michigan.

FIRSTBANK CORPORATION

Newspaper:

Federal Register:

* 3A1

4c8

04/20/2007

04/23/2007

Layton Park Financial Group, Inc., Milwaukee,

Wisconsin, to become a bank holding company

by acquiring 100 percent of the voting shares

of Layton State Bank, Milwaukee, Wisconsin,

and to engage de novo in extending credit and

servicing loans.

LAYTON PARK FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

* 3A5 04/16/2007

04/16/2007

Marshall & Ilsley Corporation, Milwaukee,

Wisconsin, to acquire 100 percent of the voting

shares of Excel Bank Corporation,

Minneapolis, Minnesota, and thereby indirectly

acquire Excel Bank Minnesota, Minneapolis,

Minnesota.

MARSHALL & ILSLEY

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Primebank, Le Mars, Iowa, to establish a 04/09/2007

branch facility to be located at 5680

Sunnybrook Drive, Sioux City, Iowa.

PRIMEBANK

* 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 March 31, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 3A5

04/23/2007

04/23/2007

Lea M. McMullan Trust, Shelbyville,

Kentucky, to indirectly acquire 100 percent of

Fort Knox National Bancorp, Inc., Radcliff,

Kentucky, and thereby indirectly acquire Fort

Knox National Bank, Radcliff, Kentucky. Also

a companion filing for Citizens Union Bancorp

of Shelbyville, Inc., Shelbyville, Kentucky, to

acquire 100 percent of Fort Knox National

Bancorp, Inc., Radcliff, Kentucky, and thereby

indirectly acquire Fort Knox National Bank,

Radcliff, Kentucky.

LEA M. MCMULLAN TRUST

Newspaper:

Federal Register:

* Branch

Not applicable

Lindell Bank & Trust Company, St. Louis, 04/09/2007

Missouri, to establish a branch facility to be

located at 3059 Clarkson Road, Ellisville,

Missouri.

LINDELL BANK & TRUST

COMPANY

* 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 March 31, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

1st Bank, Evanston, Wyoming, to merge with

North Side State Bank of Rock Springs, Rock

Springs, Wyoming, and incident thereto

proposes to establish a branch at 601 North

Front Street, Rock Springs, Wyoming.

1ST BANK

* 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 March 31, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

04/22/2007

04/20/2007

BOK Financial Corporation, Tulsa, Oklahoma,

to acquire, through its subsidiary BOKF

Merger Corporation Number Twelve, Tulsa,

Oklahoma, 100 percent of the voting shares of

Worth Bancorporation, Inc., parent of Worth

National Bank, both in Lake Worth, Texas.

Immediately thereafter, BOKF Merger

Corporation Number Twelve, Tulsa,

Oklahoma, will merge into Worth

Bancorporation, Inc., Lake Worth, Texas.

BOK FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

The Citizens Bank of Edmond, Edmond, 04/12/2007

Oklahoma, to establish a branch at the SW

corner of Penn and 164th Street, Oklahoma

City, Oklahoma.

CITIZENS BANK OF

EDMOND, THE

Newspaper:

Federal Register:

* 3A3 Not available

04/06/2007

Citizens National Corporation, Wisner,

Nebraska, to acquire 100 percent of the voting

shares of Spalding City Corporation, Omaha,

Nebraska, parent of Spalding City Bank,

Spalding, Nebraska.

CITIZENS NATIONAL

CORPORATION

Newspaper:

Federal Register:

* 3A3 04/14/2007

04/12/2007

Dickinson Financial Corporation II and

Dickinson Financial Corporation, Kansas City,

Missouri, to acquire 100 percent of the voting

shares of SunBank, N.A., Phoenix, Arizona.

DICKINSON FINANCIAL

CORPORATION II

Newspaper:

Federal Register:

CIC Not available

03/30/2007

Notice by Douglas J. Compton, Lawrence,

Kansas, to acquire control of First Financial

Bancshares, Inc., parent of The Lawrence

Bank, both in Lawrence, Kansas, through the

acquisition of voting shares.

FIRST FINANCIAL

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

04/10/2007

Notification by William Scott Martin Trust,

and William S. Martin, Miami Beach, Florida,

as trustee, to acquire control of Green Country

Bancorporation, Inc., parent of The First State

Bank, both in Ketchum, Oklahoma.

GREEN COUNTRY

BANCORPORATION, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Kansas Pacific Investments, LLC, to become a

bank holding company through the acquisition

of 100 percent of the voting shares of First

National Bank, both in Hays, Kansas.

KANSAS PACIFIC

INVESTMENTS, LLC

* 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 March 31, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/18/2007

Notice by Belote Family Partnership, LTD.,

Kingwood, Texas, and its general partner,

Belote Management Trust, Kingwood, Texas,

to retain ownership of 32.258 percent of

Country Holding Corp., Austin, Texas, and

indirectly Texas Country Bank, Lakeway,

Texas. Mr. Farrald Belote, Jr. and Mrs. Arlene

Belote, are co-trustees of the Belote

Management Trust, Kingwood, Texas.

COUNTRY HOLDING CORP.

Newspaper:

Federal Register:

* 3A5 04/21/2007

04/23/2007

First Bank Lubbock Bancshares, Inc., Lubbock,

Texas, and Outsource Delaware Capital Group,

Inc., Dover, Delaware, to acquire by merger

100 percent of Wilson Bancshares, Inc.,

Wilson, Texas, and indirectly acquire Wilson

State Bank, Wilson, Texas.

FIRST BANK LUBBOCK

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

LegacyTexas Bank, Plano, Texas, to establish a 04/05/2007

branch to be located at 1300 S. University,

Suite 314, Fort Worth, Texas 76107.

LEGACYTEXAS BANK

Newspaper:

Federal Register:

* 3A1 Not available

04/26/2007

Opportunity Bancshares, Inc., Richardson,

Texas, to become a bank holding company by

acquiring 100 percent of Opportunity Bank,

National Association, Richardson, Texas.

OPPORTUNITY

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 04/15/2007

04/20/2007

SWNB Bancorp, Inc., Houston, Texas, to

acquire 100 percent of Nevada National Bank,

Las Vegas, Nevada (de novo).

SWNB BANCORP, INC.

* 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 March 31, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/22/2007

02/28/2007

Notice by R. Scott Priest, Layton, Utah, to

retain his ownership of 15.55 percent of

Centennial Bankshares, Inc., and thereby

indirectly control its subsidiary, Centennial

Bank, both of Ogden, Utah.

CENTENNIAL BANKSHARES,

INC.

Newspaper:

Federal Register:

* 3A1

4c8 Not available

1) Saddleback Bancorp to become a bank 04/30/2007

holding company by acquiring 100 percent of

Tustin Community Bank, both of Tustin,

California; and 2) Saddleback Bancorp to

engage in extending credit and servicing loans

through Saddleback Loan Company, both of

Tustin, California, pursuant to section 4(c)(8)

of the Bank Holding Company, and section

225.28(b)(1) of Regulation Y.

Saddleback 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