Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 29 

Week Ending July 21, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
Enforcement

Progress Bank of Missouri, Sullivan, Missouri, and Progress Bancshares, Inc. -- 

issuance of a consent order of prohibition and order to cease and desist against 

Rick W. Bouse, a former institution-affiliated party.

- Announced, July 19, 2007

H.2 Board Actions July 15, 2007 to July 21, 2007

(A/C) = Addition or Correction Board - Page 1 of 1
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 15, 2007 to July 21, 2007

Bank Branches, Domestic

CapitalSouth Bank, Birmingham, Alabama -- to establish a branch at 1649 Atlantic 

Boulevard, Jacksonville, Florida.

Atlanta

- Approved, July 19, 2007

Flagler Bank, West Palm Beach, Florida -- to establish a branch at 6499 Powerline 

Road, Ft. Lauderdale.

Atlanta

- Approved, July 16, 2007

Foothills Bank & Trust, Maryville, Tennessee -- to establish a mobile branch to serve 

Blount and Knox Counties.

Atlanta

- Approved, July 19, 2007

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish branches at 1201 

South Second Street, Milwaukee, and at the intersection of Lake Street and Clinton 

Avenue, Minneapolis, Minnesota.

Secretary

- Approved, July 19, 2007

RBC Centura Bank, Raleigh, North Carolina -- to establish a branch at 10360 Royal 

Palm Boulevard, Coral Springs, Florida.

Richmond

- Approved, July 16, 2007

(A/C) = Addition or Correction Delegated - 1 of 7
Bank Branches, Domestic

Regions Bank, Birmingham, Alabama -- to establish branches at 7515 Southwest 

24th Avenue, Gainesville, Florida, and 5570 Windward Parkway, Alpharetta, 

Georgia.

Atlanta

- Approved, July 17, 2007

Sleepy Hollow Bank, Sleepy Hollow, New York -- to retain branches at 634-638 

Yonkers Avenue, Yonkers; 777 Palisade Avenue; and 1 Kendal Way, Sleepy Hollow.

New York

- Approved, July 17, 2007

Texas State Bank, McAllen, Texas -- to establish branches at 1319 North 10th Street; 

6414 McPherson, Laredo; and 1100 Northwest Loop 410, San Antonio.

New York

- Approved, July 17, 2007

Bank Holding Companies

Blue Ridge Financial Corporation, Walhalla, South Carolina -- to become a bank 

holding company and to acquire Blue Ridge Bank of Walhalla.

Richmond

- Returned, July 16, 2007

Boston Private Financial Holdings, Inc., Boston, Massachusetts -- to acquire an 

additional interest in Bingham, Osborn & Scarborough LLC, San Francisco, 

California.

Boston

- Approved, July 17, 2007

H.2 Actions under delegated authority July 15, 2007 to July 21, 2007

(A/C) = Addition or Correction Delegated - 2 of 7
Bank Holding Companies

Columbia Banking System, Inc., Tacoma, Washington -- waiver of application to 

merge with Mountain Bank Holding Company, Enumclaw, in connection with the 

merger of Mt. Rainier National Bank and Columbia State Bank, Tacoma.

San Francisco

- Granted, July 13, 2007

(A/C)

Columbia Banking System, Inc., Tacoma, Washington -- waiver of application to 

merge with Town Center Bancorp, Portland, Oregon, in connection with the merger 

of Town Center Bank and Columbia State Bank, Tacoma, Washington.

San Francisco

- Granted, July 13, 2007

(A/C)

Fortis S.A./N.V., Brussels, Belgium -- relief from a commitment.

Director, BS&R

- Granted, July 17, 2007

Hometown Bancorp of Alabama, Inc., Oneonta, Alabama -- relief from a 

commitment.

Atlanta

- Granted, July 16, 2007

Marshall & Ilsley Corporation, Inc., Milwaukee, Wisconsin -- notice of proposed 

dual service under the exception in the Depository Institutions Management 

Interlocks Act and Regulation L for diversified savings and loan holding companies.

Secretary

- Granted, July 16, 2007

H.2 Actions under delegated authority July 15, 2007 to July 21, 2007

(A/C) = Addition or Correction Delegated - 3 of 7
Bank Holding Companies

Mutual of Omaha Insurance Company, Omaha, Nebraska, and Omaha Financial 

Holdings, Inc. -- waiver of application in connection with merger of Security Federal 

Savings, Lincoln, and Peak National Bank, Nederland, Colorado.

Kansas City

- Withdrawn, July 17, 2007

NorthStar Banking Corporation, Tampa, Florida -- to become a bank holding 

company and to acquire NorthStar Bank, a de novo bank.

Atlanta

- Approved, July 16, 2007

TrustTexas Mutual Holding Company, Cuero, Texas, and TrustTexas Financial 

Group, Inc. -- to become bank holding companies and to acquire TrustTexas Bank, 

S.S.B.

Dallas

- Approved, July 20, 2007

TTC Holdings, Inc., San Antonio, Texas, and TTC Holdings of Delaware, Inc., 

Wilmington, Delaware -- to become bank holding companies and to acquire The 

Trust Company, San Antonio, Texas; and to engage in securities brokerage activities 

through Presidio Financial Services, Inc., San Antonio.

Dallas

- Approved, July 18, 2007

H.2 Actions under delegated authority July 15, 2007 to July 21, 2007

(A/C) = Addition or Correction Delegated - 4 of 7
Bank Mergers

Community Bank, Austin, Austin, Minnesota -- to purchase three branches from 

Associated Bank, National Association, Green Bay, Wisconsin, and thereby establish 

branches.

Chicago

- Approved, July 19, 2007

Change In Bank Control

B Bank, Inc., Downs, Kansas -- to retain control of B Bank, Inc.

Kansas City

- Permitted, July 18, 2007

Competitive Factors Reports

Gerber Interim Bank, Argenta, Illinois -- report on competitive factors of the 

proposed merger with Gerber State Bank.

Chicago

- Submitted, July 16, 2007

Extensions Of Time

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, N.A., and LaSalle Bank Midwest, N.A., Troy, Michigan.

Secretary

- Denied, July 19, 2007

H.2 Actions under delegated authority July 15, 2007 to July 21, 2007

(A/C) = Addition or Correction Delegated - 5 of 7
Extensions Of Time

East West Bank, Pasadena, California -- extension to July 26, 2008, to establish a 

branch at 135 North Los Robles Avenue.

San Francisco

- Granted, July 18, 2007

First Option Bank, Osawatomie, Kansas -- extension to October 19, 2007, to 

establish a branch at 223rd and Price Chopper Drive, Spring Hill.

Kansas City

- Granted, July 18, 2007

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to October 27, 

2007, to establish a branch at the intersection of Yuma and Watson Roads, Buckeye, 

Arizona.

Chicago

- Granted, July 18, 2007

Financial Holding Companies 

Stark Bank Group, Ltd., Fort Dodge, Iowa -- election to become a financial holding 

company.

Chicago

- Effective, July 20, 2007

International Operations

First Tennessee Bank National Association Memphis, Memphis, Tennessee -- to 

establish FTN Financial Investment Corp. as an agreement corporation, and for FTN 

Financial Investment Corp. to invest in FTN Financial Asia, Limited, Hong Kong.

Director, BS&R

- Approved, July 17, 2007

H.2 Actions under delegated authority July 15, 2007 to July 21, 2007

(A/C) = Addition or Correction Delegated - 6 of 7
Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on June 27 and 28, 2007.

FOMC

- Published, July 19, 2007

H.2 Actions under delegated authority July 15, 2007 to July 21, 2007

(A/C) = Addition or Correction Delegated - 7 of 7
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending July 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

State Street International Holdings, Inc., 

Boston, Massachusetts - prior notice to engage 

in dealing in equity securities outside the U.S. 

through State Street Global Markets 

International, Limited, London, England 

pursuant to section 211.10(a)(15) of Regulation 

K.

STATE STREET 

INTERNATIONAL HOLDINGS

* 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 July 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

07/30/2007

The Adirondack Trust Company Employee 

Stock Ownership Trust, Saratoga Springs, New 

York, to acquire fifty additional shares of 473 

Broadway Holding Corporation and to acquire 

one thousand additional shares of The 

Adirondack Trust Company, both of Saratoga 

Springs, New York.

ADIRONDACK TRUST 

COMPANY EMPLOYEE STOCK 

OWNERSHIP TRUST, THE

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"). BNL is being merged into BNPP, and 

the activities of the branch will be terminated 

after the Merger is effective.

BNP PARIBAS

Newspaper:

Federal Register:

* 3A1 07/30/2007

07/30/2007

CheckSpring Community Corporation, Bronx, 

New York, for prior approval of the Board of 

Governors of the Federal Reserve System, 

pursuant to Section 3(a)(1) of the Bank Holding 

Company Act of 1956, as amended, to become a 

bank holding company through the acquisition 

of all the voting shares of CheckSpring Bank (in 

organization), a proposed de novo New York 

State chartered commercial bank.

CHECKSPRING COMMUNITY 

CORPORATION

Newspaper:

Federal Register:

FBSEA

Not applicable

Corpbanca, Santiago, Chile, to establish a 08/10/2007

federal branch in New York, New York, pursuant 

to Section 7(d) of the International Banking Act 

of 1978, as amended, and Section 211.24(a) of 

Regulation K.

CORPBANCA

Newspaper:

Federal Register:

FBSEA

Not applicable

Landsbanki Islands hf., Reykjavik, Iceland, to 08/05/2007

establish a branch in New York, New York, 

pursuant to Section 7(d) of the International 

Banking Act

LANDSBANKI ISLANDS HF

* 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 July 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 08/20/2007

08/20/2007

CB Financial Corp, Rehoboth Beach, Delaware 

to become a bank holding company by 

acquiring 100 percent of County Bank, 

Rehoboth Beach, Delaware.

CB FINANCIAL CORPORATION

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending July 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 08/01/2007

a branch at 13581 Goldenwood Drive, Fort 

Meyers, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Whitaker Bank, Inc., Lexington, KY to 07/27/2007

eastablish a branch at 1280 Highway 770, 

Corbin, KY.

WHITAKER BANK, 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 July 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of the Commonwealth, Norfolk, Virginia, 07/28/2007

proposes to establish a branch at 221 Western 

Avenue, Suffolk, Virginia.

BANK OF THE 

COMMONWEALTH

Newspaper:

Federal Register:

* Branch

Not applicable

Old Line Bank, Bowie, Maryland, proposes to 07/31/2007

establish a branch at 9658 Baltimore Avenue, 

Suite 101, College Park, Maryland.

OLD LINE BANK

Newspaper:

Federal Register:

* 4c8 08/08/2007

08/09/2007

Wachovia Corporation, Charlotte, North 

Carolina, requests approval to acquire 100% of 

the voting securities of A. G. Edwards Trust 

Company FSB, St. Louis, Missouri, and thereby 

engage in the business of operating a savings 

association.

WACHOVIA CORPORATION

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Wachovia International Banking Corporation, 

Charlotte, North Carolina, to make an 

investment of $5 million in Wachovia Securities 

(Japan) Co., Ltd., Tokyo, Japan.

WACHOVIA INTERNATIONAL 

BANKING CORPORATION

* 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 July 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

First Vision Bank of Tennessee, Tullahoma, 08/02/2007

Tennessee, to establish a branch located at 2134 

Hillsboro Boulevard, Manchester, Tennessee.

FIRST VISION BANK OF 

TENNESSEE

Newspaper:

Federal Register:

CIC 07/31/2007

07/23/2007

Overton Financial Services, Inc., Livingston, 

Tennessee (BHC), three after-the-fact change in 

control notices filed by the following: (1) the 

Jack Windle Irrevocable Life Insurance Trust, 

Livingston, Tennessee, through its co-Trustees, 

Joyce Dodson Windle, Livingston, Tennessee; 

and John D. Copeland, Chattanooga, 

Tennessee; to retain 29.18 percent of the 

outstanding shares of BHC, and its subsidiary, 

Union Bank and Trust Company, Livingston, 

Tennessee (Bank); (2) the Credit Shelter Trust 

under the Last Will and Testament of Jack Allen 

Windle, Livingston, Tennessee, through its 

co-Trustees, Joyce Dodson Windle, Livingston, 

Tennessee; John D. Copeland, Chattanooga, 

Tennessee; and Thomas Alfred Windle, 

Cookeville, Tennessee; to retain 28.94 percent 

of the outstanding shares of BHC and Bank; 

and (3) the Tennessee Qualified Terminable 

Interest Trust under the Last Will and 

Testament of Jack Allen Windle, through its 

co-Trustees, Joyce Dodson Windle, Livingston, 

Tennessee; John D. Copeland, Chattanooga, 

Tennessee; and Thomas Alfred Windle, 

Cookeville, Tennessee; to retain 27.82 percent 

of the outstanding shares of BHC and Bank.

OVERTON FINANCIAL 

SERVICES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Red River Bancshares, Inc., Alexandria, 

Louisiana, prior change in control notice filed 

by the John Charles Simpson, Jr., Trust, the 

Angela Katherine Simpson Trust (the Trusts), 

Simeon A. Thibeaux, Jr., as trustee of the 

Trusts, all of Alexandria, Louisiana, and John C. 

Simpson, New Orleans, Louisiana, to 

collectively acquire up to an additional 13.89 

percent of the outstanding shares of Red River 

Bancshares, Inc., and its subsidiary bank, Red 

River Bank, both of Alexandria, Louisiana. The 

acquisition will increase the group's collective 

ownership in Red River Bancshares to 32.37 

percent.

RED RIVER BANCSHARES, INC.

* 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 July 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 08/03/2007

08/06/2007

Abby Bancorp, Inc., Abbotsford, Wisconsin, to 

become a bank holding company by acquiring 

100 percent of the voting shares of Abbybank, 

Abbotsford, Wisconsin.

ABBY BANCORP, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Arcola Holdings, Chicago, Illinois, to become a 

bank holding company by acquiring 100 percent 

of the voting shares of Arcola Homestead 

Savings Bank, Arcola, Illinois.

ARCOLA HOLDINGS

Newspaper:

Federal Register:

CIC Not available

08/06/2007

Notice by David A. Davis, Muskego, 

Wisconsin, to acquire up to 14 percent of the 

outstanding common stock of Capital Commerce 

Bancorp, Inc., Milwaukee, Wisconsin, and 

thereby indirectly acquire control of MW Bank, 

Milwaukee, Wisconsin.

CAPITAL COMMERCE 

BANCORP, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch

Member

Not applicable

Independent Bank, Bay City, Michigan, to 

merge with Independent Bank East Michigan, 

Troy, Michigan, Independent Bank South 

Michigan, East Lansing, Michigan, and 

Independent Bank West Michigan, Grand 

Rapids, Michigan, and thereby to establish 92 

branches, and the related application by 

Independent Bank, Bay City, Michigan, to 

become a member of the Federal Reserve 

System.

INDEPENDENT BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

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:

* Branch

Not applicable

The Peoples' Bank of Arlington Heights, 07/31/2007

Arlington Heights, Illinois, to establish a branch 

facility to be located at 1104 South Arlington 

Heights Road, Arlington Heights, Illinois.

PEOPLES' BANK OF ARLINGTON 

HEIGHTS, THE

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:

* 3A5 Not available

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 July 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Central Bancompany, Inc., Jefferson City, 

Missouri, to acquire 100 percent of Millstadt 

Bancshares, Inc., Millstadt, Illinois, and thereby 

indirectly acquire First National Bank of 

Millstadt, Millstadt, Illinois.

CENTRAL BANCOMPANY

Newspaper:

Federal Register:

* 3A3 08/10/2007

08/13/2007

Cross County Bancshares, Inc., Wynne, 

Arkansas, to retain control of its ownership 

interest of up to 6.88 percent of Pinnacle 

Bancshares, Inc., Bentonville, Arkansas, and 

thereby indirectly retain control of Pinnacle 

Bank, Bentonville, Arkansas.

CROSS COUNTY BANCSHARES, 

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Delta Southern Bank, Ruleville, Mississippi, to 08/01/2007

establish a branch facility to be located at 6351 

Highway 11 North, Picayune, Mississippi.

DELTA SOUTHERN BANK

Newspaper:

Federal Register:

* 3A1 08/03/2007

08/09/2007

Heritage Management Company, Inc., 

Washington, Missouri, to become a bank 

holding company by acquiring 100 percent of 

United Bank of Chamois, Chamois, Missouri.

HERITAGE MANAGEMENT 

COMPANY, INC.

Newspaper:

Federal Register:

* 3A3 08/17/2007

08/09/2007

Lonoke Bancshares, Inc., Lonoke, Arkansas, to 

acquire additional shares of Central Bank, Little 

Rock, Arkansas, resulting in ownership of up to 

9.65 percent.

LONOKE BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 08/17/2007

08/09/2007

Lonoke Bancshares, Inc., Lonoke, Arkansas, to 

retain control of its ownership interest of up to 

6.88 percent of Pinnacle Bancshares, Inc., 

Bentonville, Arkansas, and thereby indirectly 

retain control of Pinnacle Bank, Bentonville, 

Arkansas.

LONOKE BANCSHARES, INC.

* 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 July 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

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:

* 3A1 Not available

08/06/2007

John T. Vucurevich Foundation, Rapid City, 

South Dakota, to become a bank holding 

company by acquiring control of 84.48% of the 

Class B common stock and 11.85% of the Class 

A common stock of United Bancorporation, 

Osseo, Wisconsin, and thereby indirectly 

acquire United Bank, Osseo, Wisconsin; 

Cambridge State Bank, Cambridge, Wisconsin; 

Lincoln County Bank, Merrill, Wisconsin; Bank 

of Poynette, Poynette, Wisconsin; Clark County 

State Bank, Osceola, Iowa; Farmers State Bank, 

Stickney, South Dakota; and Farmers & 

Merchants State Bank, Iroquois, South Dakota.

JOHN T. VUCUREVICH 

FOUNDATION

* 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 July 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Citizens Security Bank and Trust Company, 08/02/2007

Bixby, Oklahoma, to establish a branch at 224 N. 

6th Street, Jenks, Oklahoma.

CITIZENS SECURITY BANK & 

TRUST COMPANY

Newspaper:

Federal Register:

CIC 07/26/2007

08/07/2007

Notification by The Randall L. Pieper Trust, 

Calhan, Colorado, Randall L. Pieper, trustee; 

Joan L. Lawson Trust, Calhan, Colorado, Joan, 

L. Lawson, trustee; Candice S. Enix Trust, 

Centennial, Colorado, Candice S. Enix, trustee; 

John A. Pieper Trust, Albuquerque, New 

Mexico, John A. Pieper, trustee; to acquire 

control of Pieper Bancorp, Inc., parent of 

Farmers State Bank of Calhan, both in Calhan, 

Colorado, by becoming general partners of the 

Pieper Family Limited Partnership, LLP.

PIEPER BANCORP, 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 July 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

A.N.B. Holding Company, Ltd., Terrell, Texas, 

and The ANB Corporation, Terrell, Texas, to 

acquire 100 percent of Bryant-Irvin Bancshares, 

Inc., Benbrook, Texas, and indirectly acquire 

Bryant Irwin Delaware Corporation, Dover, 

Delaware, and Citizens National Bank, Fort 

Worth, Texas.

A.N.B. HOLDING COMPANY, 

LTD.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Ms. Bobbie Sue Mathieu, Monroe, 

Louisiana, to acquire up to 13.71 percent 

interest in Delhi Bancshares, Inc., Delhi, 

Louisiana, and indirectly acquire Guaranty Bank 

& Trust Company of Delhi, Delhi, Louisiana.

DELHI BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 05/07/2007

05/08/2007

Notice by Harry Lynn Williams and Oksana 

Williams, Plano, Texas, to increase their 

ownership to 13.20 percent of the voting 

common stock of Snook Bancshares, Inc., 

Snook, Texas, and indirectly First Bank of 

Snook, Snook, Texas.

SNOOK BANCSHARES, 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 July 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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