Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 23

Week Ending June 9, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions June 3, 2007 to June 9, 2007

Enforcement

Primebank, LeMars, Iowa -- issuance of a consent order of prohibition against 

William R. Kahler, a former institution-affiliated party.

- Announced, June 6, 2007 

(AC) = Addition or Correction Board - Page 1 of 1
June 3, 2007 to June 9, 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

Bank of Virginia, Midlothian, Virginia -- to establish a branch at 10501 Patterson 

Avenue, Richmond.

- Approved, June 4, 2007 

Richmond

Community Bank of Tri-County, Waldorf, Maryland -- to establish a branch at 

11745 Rousby Hall Road, Lusby.

- Approved, June 5, 2007 

Secretary

First Bank, St. Louis, Missouri -- to establish a branch at 2314 Proctor Valley Road, 

Chula Vista, California.

- Approved, June 6, 2007 

St. Louis

First Chicago Bank & Trust, Itasca, Illinois -- to retain a branch at 4343 North 

Elston Avenue, Chicago.

- Approved, June 8, 2007 

Chicago

First State Bank of Red Bud, Red Bud, Illinois -- to establish a branch at 2100 South 

Illinois Street, Belleville.

- Approved, June 6, 2007 

St. Louis

LandMark Bank of Florida, Sarasota, Florida -- to establish a branch at 6020 

Lakewood Ranch Boulevard, Bradenton.

- Approved, June 4, 2007 

Atlanta

Merrill Merchants Bank, Bangor, Maine -- to establish branches at 335 Main Street, 

Waterville, and 84 Kennedy Memorial Drive.

- Withdrawn, June 5, 2007 

Boston

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority June 3, 2007 to June 9, 2007

Bank Branches, Domestic

Neighborhood Community Bank, Newnan, Georgia -- to establish a branch at 105 

Carriage Oaks Drive, Tyrone.

- Approved, June 7, 2007 

Atlanta

RBC Centura Bank, Raleigh, North Carolina -- to establish a branch at 612 South 

McKenzie Street, Foley, Alabama.

- Approved, June 7, 2007 

Richmond

Regions Bank, Birmingham, Alabama -- to establish branches at 17900 Panama City 

Beach Parkway, Panama City, Florida; the intersection of Fruitville Road and 

Arthur Anderson Parkway, Sarasota; the intersection of I-12 and Highway 21, 

Covington, Louisiana; and 6460 Old Canton Road, Jackson, Mississippi.

- Approved, June 5, 2007 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 307 Unionville-Indian 

Trail Road, Indian Trail, North Carolina.

- Approved, June 4, 2007 

Secretary

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 8990 Turkey Lake Road, 

Orlando, Florida.

- Approved, June 7, 2007 

Secretary

Virginia Commerce Bank, Arlington, Virginia -- to establish a branch at 10800-A 

Courthouse Road, Fredericksburg.

- Approved, June 5, 2007 

Richmond

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority June 3, 2007 to June 9, 2007

Bank Holding Companies

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

Corporation, New York, New York, and thereby acquire United States Trust 

Company International Corporation.

- Withdrawn, June 7, 2007 

Richmond

Broadway Bancorp, Inc., Chicago, Illinois -- to become a bank holding company 

and to acquire Broadway Bank.

- Approved, June 6, 2007 

Chicago

Buckhead Community Bancorp, Inc., Atlanta, Georgia -- to merge with Allied 

Bancshares, Inc., Cumming, and thereby acquire its subsidiary, First National Bank 

of Forsyth County.

- Approved, June 5, 2007 

Atlanta

Chain Bridge Bancorp, Inc., McLean, Virginia -- to become a bank holding 

company and to acquire Chain Bridge Bank, National Association, a de novo bank.

- Approved, June 7, 2007 

Richmond

First Texas BHC, Inc., Fort Worth, Texas -- to acquire SWB Bancshares, Inc. and 

thereby acquire SW Financial, Inc., Dover, Delaware, and Southwest Bank, Fort 

Worth, Texas.

- Approved, June 7, 2007 

Dallas

Hills Bancorporation, Hills, Iowa -- to engage in community development activities.

- Approved, June 7, 2007 

Chicago

JPMorgan Chase & Co., New York, New York -- to make an additional investment 

in its subsidiary, J.P. Morgan Chase International Holdings.

- Withdrawn, June 5, 2007 

New York

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority June 3, 2007 to June 9, 2007

Bank Holding Companies

Manhattan Bancorp, El Segundo, California -- to become a bank holding company 

and to acquire Bank of Manhattan, N.A., a de novo bank.

- Approved, June 4, 2007 

San Francisco

Midwest Banc Holdings, Inc., Melrose Park, Illinois -- to merge with Northwest 

Suburban Bancorp, Inc., Mount Prospect, and thereby acquire Mount Prospect 

National Bank; and for Midwest Bank and Trust Company, Elmwood Park, to 

merge with Mount Prospect National Bank, Mount Prospect, and thereby establish 

branches.

- Approved, June 8, 2007 

Chicago

North Cascades Bancshares, Inc., Chelan, Washington -- waiver of application to 

merge with Mid State Bancorp, Waterville, in connection with the merger of Mid 

State Bank and North Cascades National Bank, Chelen.

- Granted, June 8, 2007 

San Francisco

Reliance Bancorporation, Inc., Faribault, Minnesota -- to become a bank holding 

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

- Approved, June 4, 2007 

Minneapolis

Southwest Bancorp, Inc., Stillwater, Oklahoma -- to acquire shares of Hart Food 

Stores, Inc., South Hutchinson, Kansas, and Bank of Kansas.

- Approved, June 7, 2007 

Kansas City

Southwest Bancshares, Inc., San Antonio, Texas -- to become a bank holding 

company and to acquire The Bank of San Antonio, a de novo bank.

- Approved, June 7, 2007 

Dallas

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority June 3, 2007 to June 9, 2007

Bank Holding Companies

State Bank & Trust Company Employee Stock Ownership Plan, Greenwood, 

Mississippi, and State Capital Corp. -- waiver of application to merge with Geneva 

Bancshares, Inc., Geneva, Alabama, in connection with the merger of The American 

Bank, Geneva, and State Bank and Trust Company, Greenwood, Mississippi.

- Granted, June 4, 2007 

St. Louis

WGNB Corp., Carrollton, Georgia -- to merge with First Haralson Corporation, 

Buchanan, and thereby acquire its subsidiary, First National Bank of Georgia.

- Approved, June 4, 2007 

Atlanta

Bank Mergers

New Peoples Bank, Inc., Honaker, Virginia -- to acquire certain assets and assume 

certain liabilities of the Norton and Pennington Gap branches of FNB Southeast, 

Reidsville, North Carolina.

- Approved, June 8, 2007 

Richmond

Change In Bank Control

Burlingame Bankshares, Inc., Burlingame, Kansas -- to retain control of Burlingame 

Bankshares, Inc.

- Permitted, June 5, 2007 

Kansas City

CNBO Bancorp, Inc., Pryor, Oklahoma -- change in bank control.

- Permitted, June 5, 2007 

Kansas City

Concord Place, Inc., Nassau, The Bahamas -- change in bank control.

- Withdrawn, June 8, 2007 

San Francisco

First Personal Financial Corp., Orland Park, Illinois -- change in bank control.

- Permitted, June 7, 2007 

Chicago

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority June 3, 2007 to June 9, 2007

Change In Bank Control

First Personal Financial Corp., Orland Park, Illinois -- to retain control of First 

Personal Financial Corp.

- Permitted, June 7, 2007 

Chicago

Extensions Of Time

Bancorp of New Jersey, Inc., Fort Lee, New Jersey -- extension to August 9, 2007, 

to become a bank holding company and to acquire Bank of New Jersey.

- Granted, June 8, 2007 

New York

The Bank at Broadmoor, Colorado Springs, Colorado -- extension to September 8, 

2007, to establish a branch at 3216 West Colorado Avenue and to increase its 

investment in bank premises.

- Granted, June 8, 2007 

Kansas City

BCBank, Inc., Philippi, West Virginia -- extension to October 10, 2007, to establish 

a branch at 936 East Park Avenue, Fairmont.

- Granted, June 6, 2007 

Richmond

Cabool State Bank Employee Stock Ownership Plan, Cabool, Missouri -- extension 

to March 19, 2008, to acquire additional shares of Cabool Bancshares, Inc. and 

thereby acquire Cabool State Bank.

- Granted, June 5, 2007 

St. Louis

Security Pacific Bancorp, Los Angeles, California -- extension to September 6, 

2007, to acquire shares of Pacific Premier Bancorp, Inc., Costa Mesa, and thereby 

acquire Pacific Premier Bank.

- Granted, June 7, 2007 

San Francisco

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority June 3, 2007 to June 9, 2007

Extensions Of Time

TrustAtlantic Financial Corporation, Raleigh, North Carolina -- extension to June 

30, 2007, to become a bank holding company and to acquire Millennia Community 

Bank, Greenville.

- Granted, June 4, 2007 

Richmond

Membership

First Eagle National Bank, Hanover Park, Illinois -- to retain membership in the 

Federal Reserve System on conversion to a state-chartered institution, known as 

First Eagle Bank.

- Approved, June 7, 2007 

Chicago

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

Federal Reserve Bank of Boston

Filings received during the week ending June 9, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Application by The Connecticut Bank and

Trust Company, Hartford, Connecticut, to open

a de novo branch in Rocky Hill, Connecticut,

pursuant to section 9 of the Federal Reserve

Act and section 208.6 of Regulation H.

CONNECTICUT BANK &

TRUST COMPANY, THE

* 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 June 9, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

The Bank of New York, New York, New York

and BNY International Financing Corporation,

submits a prior notice, to invest in the Bank of

New York, S.A., Institucion Banca Multiple, a

commercial bank organized and established

under the laws of Mexico.

BANK OF NEW YORK, THE

Newspaper:

Federal Register:

* 3A1

* 4c8

06/13/2007

06/14/2007

Application and Notice by Doral GP, Ltd.,

Doral Holdings, LP and Doral Holdings

Delaware, LLC all of New York, New York,

pursuant to Sections 3(a)(1) and 4(c)(8) of the

Bank Holding Company Act to acquire up to

95 percent of Doral Financial Corporation, San

Juan, Puerto Rico ("Doral") and thereby

acquire Doral's wholly-owned bank subsidiary,

Doral Bank, San Juan, Puerto Rico and Doral's

wholly-owned federal savings bank, Doral

Bank, FSB, New York, New York.

DORAL GP LTD.

Newspaper:

Federal Register:

FBSEA

Not applicable

Intesa Sanpaolo S.p.A., Turin, Italy, to retain 06/21/2007

the federally licensed branch of former

Sanpoalo IMI, S.p.A., in New York, New

York.

INTESA SANPAOLO S.P.A.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Landsbanki Islands hf., Reykjavik, Iceland is

applying to establish and maintain a branch in

New York.

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

214807 DEUTSCHE BK TC AMERICAS, NEW YORK, NEW YORK 11/20/2006 05/14/2007 O Whole/Ltd Purp

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 June 9, 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 June 9, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

CIC Not available

Citizens National Corporation, Paintsville,

Kentucky, to acquire 100 percent of Kentucky

National Bank of Pikeville, Pikeville, Kentucky

CITIZENS NATIONAL

CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

Not available

Fifth Third Bancorp, Cincinnati, Ohio, to

acquire 100 percent of R-G Crown Bank, FSB,

Casselberry, Florida, pursuant to section

4(c)(8) of the Bank Holding Company Act

FIFTH THIRD BANCORP

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 06/09/2007

branch at 4220 Cleveland Avenue N.W.,

Canton, OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 06/13/2007

establish a branch at 2435 South Brentwood

Boulevard, Brentwood, MO.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 06/13/2007

establish a branch at 200 East State Road 436,

Casselberry, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 06/13/2007

establish a branch at 3540 North 17-92, Lake

Mary, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 06/13/2007

establish a branch at 1199 Spring Centre South

Boulevard, Altamonte Springs, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 06/13/2007

establish a branch at 9991 University

Boulevard, Orlando, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 06/13/2007

establish a branch at the Northeast corner of

State Route 436 and Turnbull Road, Orlando,

FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 06/13/2007

establish a branch at 10401 Curry Ford Road,

Orlando, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 06/13/2007

establish a branch at 3165 Howland Road,

Deltona, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 06/13/2007

establish a branch at 2730 Elkham Road,

Deltona, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 06/13/2007

establish a branch at the Northwest corner of

Courtland Boulevard and Fort Smith Road,

Deltona, 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

362717 CROGHAN COLONIAL BK, FREMONT, OHIO 03/19/2007 06/04/2007 S Int Sm 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 June 9, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 06/30/2007

07/03/2007

Bank of America Corporation, Charlotte,

North Carolina, to acquire 100% of the voting

securities of ABN AMRO North America

Holding Company, Chicago, Illionois, and

thereby indirectly acquire LaSalle Bank

National Association, Chicago, Illinois, and

LaSalle Bank Midwest National Association,

Troy, Michigan.

BANK OF AMERICA

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank & Trust Company, Lebanon, 06/14/2007

Virginia, to establish a branch facility at 851

Lew Dewitt Boulevard, Waynesboro, Virginia.

FIRST BANK AND TRUST

COMPANY, THE

Newspaper:

Federal Register:

4c8 Not applicable

06/26/2007

Square 1 Financial, Inc., Durham, North

Carolina, to engage de novo in private

placement and investment advisory activities.

SQUARE 1 FINANCIAL, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Union Bank and Trust Company, Bowling

Green, Virginia, to acquire certain assets and

assume certain liabilities of the Charlottesville,

Virginia, branch office of Provident Bank of

Maryland, Baltimore, Maryland.

UNION BANK AND TRUST

COMPANY

* 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 June 9, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Bancolombia S.A., Medellin, Columbia,

proposes to acquire Bienes y Servicios,S.A.,

Santa Tecla, El Salvador, and thereby engage

in activities related to money transfer services

and selling prepaid calling cards. The

activities will be engaged in pursuant to 12

C.F.R. § 225.28(b)(14) and prior Board Orders

(see Midland Bank, PLC, 76 Fed. Res. Bull.

860 (October 1990); Norwest Corporation, 81

Fed. Res. Bull. 1130 (December 1995); and

Popular, Inc., 84 Fed. Res. Bull. 481 (June

1998 (prepaid telephone cards). See also

BankBoston Corporation, et. al., 85 Fed. Res.

Bull. 582 (August 1999) (electronic fund

transfer related data processing and

transmission services); The Bank of Nova

Scotia, et. al., 83 Fed. Res. Bull. 127 (February

1997) (foreign exchange clearing and

settlement services); CoreStates Financial

Corp., et. al., 79 Fed. Res. Bull. 1158

(December 1993) (electronic payments

devices); Avantor Financial Corporation, 76

Fed. Res. Bull. 779 (September 1990)

(electronic fund transfer services); Citicorp, 68

Fed. Res. Bull. 505 (August 1982) (electronic

fund transfers and check clearing and

collection services).

BANCOLOMBIA S.A.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

First Boaz Bancorporation, to acquire 100

percent of the outstanding shares of First Bank

Mortgage Services, Inc., both of Boaz,

Alabama, and thereby engage de novo in

making, acquiring, brokering, or servicing

loans or other extensions of credit.

FIRST BOAZ

BANCORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

First Georgia Community Bank, Jackson, 06/23/2007

Georgia, to establish a branch located at 361

Wilson Road, Griffin, Georgia.

FIRST GEORGIA

COMMUNITY BANK

Newspaper:

Federal Register:

CIC 06/25/2007

06/22/2007

First National Corporation, Savannah,

Georgia, after-the-fact change in control notice

filed by Mr. Heys Edward McMath, III,

Savannah, Georgia, to retain 10.32 percent of

the outstanding shares of First National

Corporation, and its subsidiary, First National

Bank, both of Savannah, Georgia.

FIRST NATIONAL

CORPORATION

Newspaper:

Federal Register:

* 3A1

Not available

NorthStar Banking Corporation, to become a 06/21/2007

bank holding company by acquiring 100

percent of the outstanding shares of NorthStar

Bank (in organization), both of Tampa,

Florida.

NORTHSTAR BANKING

CORPORATION

Newspaper:

Federal Register:

* 3A1 06/22/2007

07/06/2007

Pro Financial Holdings, Inc., to become a bank

holding company by acquiring 100 percent of

the outstanding shares of Pro Bank (in

organization), both of Tallahassee, Florida.

PRO FINANCIAL HOLDINGS,

INC.

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

Federal Reserve Bank of Atlanta

Filings received during the week ending June 9, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

SmartBank, Pigeon Forge, Tennessee, 06/08/2007

after-the-fact branch application to establish a

branch located at 1011 Parkway, Sevierville,

Tennessee.

SMARTBANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 06/21/2007

branches in the following locations: 404

Johnnie Dodds Boulevard, Mt. Pleasant, South

Carolina, to be known as the Mathis Ferry

Office; 601 Courtland Boulevard, Delton,

Florida, to be known as the Deltona Commons

Office; and 11721 Bonita Beach Road, SE,

Bonita Springs, Florida, to be known as the

Livingston Road Office.

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

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 June 9, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 06/22/2007

06/15/2007

Capitol Bancorp, Ltd., Lansing, Michigan and

Capitol Development Bancorp Limited VI,

Lansing, Michigan, to acquire 51 percent of

the voting shares of Issaquah Community Bank

(in organization), Issaquah, Washington.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 06/17/2007

06/18/2007

Capitol Bancorp, Ltd., Lansing, Michigan and

Capitol Development Bancorp Limited VI,

Lansing, Michigan, to acquire 51 percent of

the voting shares of High Desert Bank (in

organization), Bend, Oregon, and thereby

operate a savings association.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

CIC 06/04/2007

06/04/2007

Notice by Audrey G. Savage, Monticello, Iowa,

individually and as trustee of the Audrey G.

Savage Revocable Inter Vivos Trust, to gain

control of Family Merchants Bancorporation,

Cedar Rapids, Iowa, and thereby indirectly

Family Merchants Bank, Cedar Rapids, Iowa.

FAMILY MERCHANTS

BANCORPORATION, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First Chicago Bank & Trust, Itasca, Illinois, to 05/22/2007

retain their branch facility located at 4343 N.

Elston Avenue, Chicago, Illinois.

FIRST CHICAGO BANK &

TRUST

Newspaper:

Federal Register:

* 4c8 06/17/2007

06/22/2007

First Mutual of Richmond, Inc. and Richmond

Mutual Bancorporation, Inc., both of

Richmond, Indiana, to acquire 100 percent of

the voting shares of Mutual Bancorp, Inc.,

Sidney, Ohio and thereby indirectly acquire

Mutual Federal Savings Bank, Sidney, Ohio,

and thereby operate a savings association, and

the requests to terminate their commitment not

incur any debt without the prior approval of the

Federal Reserve Bank.

FIRST MUTUAL OF

RICHMOND, INC.

Newspaper:

Federal Register:

* 3A1 06/30/2007

07/06/2007

Gerber Bancshares, Inc., Argenta, Illinois, to

become a bank holding company by acquiring

100 percent of the voting shares of The Gerber

State Bank, Argenta, Illinois.

GERBER BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

M&I Marshall & Ilsley Bank, Milwaukee,

Wisconsin, to merge with Excel Bank

Minnesota, Minneapolis, Minnesota, and

thereby to establish 4 branches.

M&I MARSHALL & ILSLEY

BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Midwest Bank of Western Illinois, Monmouth, 06/09/2007

Illinois, to establish a branch facility to be

located at Grant Avenue and North Seminary

Street, Galesburg, Illinois.

MIDWEST BANK OF

WESTERN ILLINOIS

Newspaper:

Federal Register:

Foreign Branch Not applicable

Not applicable

Reg K - 12-day Notice - The Northern Trust

Company, Chicago, Illinois, to establish a

branch in Melbourne, Australia.

NORTHERN TRUST

COMPANY, THE

* 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

807348 BANK OF OAKFIELD, OAKFIELD, WISCONSIN 01/22/2007 06/04/2007 S Small Bank

3303917 ROCKFORD B&TC, ROCKFORD, ILLINOIS 02/20/2007 05/24/2007 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 June 9, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 06/21/2007

06/22/2007

Notice by the Wilson-Gardner Family Control

Group, Jackson, Mississippi, to retain control

of Commerce Bancorp, Inc., Greenwood,

Mississippi. The Control Group consists of

Rufus K. Gardner, Winona, Mississippi (as

trustee of the Gardner Trust, Jackson,

Mississippi); Joseph E. Gardner, Austin, Texas

(as trustee of the Gardner Trust, Jackson,

Mississippi); Alice King Harrison, Forrest

City, Arkansas; Fred Gillaspy Wilson, Jackson,

Mississippi (individually and as a trustee of the

Gardner Trust, Jackson, Mississippi); John

Frederick Wilson, Jackson, Mississippi;

Margaret Gardner Wilson, Ridgeland,

Mississippi; Margaret Wilson Ethridge,

Madison, Mississippi; Ermis King Wilson,

Sterlington, Louisiana; Edna Earl Douglas,

Memphis, Tennessee; Alison Wilson Page,

Sterlington, Louisiana; and Ermis M. Wilson,

Sterlington, Louisiana.

COMMERCE BANCORP, INC

Newspaper:

Federal Register:

CIC 06/15/2007

06/25/2007

Notice by Bennie F. Ryburn, Jr., as sole voting

trustee, to retain voting control of Drew

Bancshares, Inc's., stock held by the Bennie F.

Ryburn Family Trust, all of Monticello,

Arkansas.

DREW BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

06/27/2007

Notice by Gaylon M. Lawrence, Jr., Franklin,

Tennessee, to gain control of Farmers Bancorp,

Inc., Blytheville, Arkansas.

FARMERS BANCORP INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, St. Louis, Missouri, to establish a 06/16/2007

branch facility to be located at 1700 North

Broadway, Walnut Creek, California.

FIRST BANK

Newspaper:

Federal Register:

* 3A3 07/07/2007

06/29/2007

First State Bancshares, Inc., Farmington,

Missouri, to acquire 100 percent of Progress

Bancshares, Inc., Sullivan, Missouri, and

thereby indirectly acquire Progress Bank,

Sullivan, Missouri.

FIRST STATE BANCSHARES,

INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Peoples Bank & Trust Co., Troy, Missouri, to 07/06/2007

purchase certain assets and assume certain

liabilities of the branch office located at 106

Business Highway 61 South, Bowling Green,

Missouri, of F & M Bank and Trust Company,

Hannibal, Missouri, and to retain the acquired

facility as a branch office.

PEOPLES BANK & TRUST CO.

* 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 June 9, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Bank of Baldwin, Baldwin, Wisconsin to

merge with Bank of Spring Valley Spring

Valley, Wisconsin and thereto establish

branches at 320 McKay Street Spring Valley,

Wisconsin and 409 Main Street Plum City,

Wisconsin.

FIRST BANK OF BALDWIN,

THE

Newspaper:

Federal Register:

* 3A3 06/22/2007

06/18/2007

First National Bank of Sauk Centre Retirement

Savings & Employee Stock Ownership Plan

and Trust, Sauk Centre, Minnesota, and Sauk

Centre Financial Services Inc., Sauk Centre,

Minnesota, to acquire 100 percent of Lake

Country State Bank, Long Prairie, Minnesota.

FIRST NATIONAL BANK OF

SAUK CENTRE RETIREMENT

SAVINGS & EMPLOYEE

STOCK OWNERSHIP PLAN

AND TRUST

Newspaper:

Federal Register:

CIC Not available

06/25/2007

Notice by William H. Unger, Sauk Centre,

Minnesota, and Alfred P. Minnerath, Starbuck,

Minnesota, to gain control of Sauk Centre

Financial Services Inc., Sauk Centre,

Minnesota, and thereby indirectly gain control

of First National Bank of Sauk Centre, Sauk

Centre, Minnesota.

SAUK CENTRE FINANCIAL

SERVICES, INC.

Newspaper:

Federal Register:

CIC 06/04/2007

06/20/2007

Notice by Mr. William M. Spang, Jr. of

Eveleth, Minnesota to gain control of

Timberland Bancorp, Baxter, Minnesota and

thereby indirectly gain control of First National

Bank of Buhl, Buhl, Minnesota.

TIMBERLAND BANCORP

* 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 June 9, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

First Community Bank, Taos, New Mexico, to

establish a branch at 2300 Louisiana NE,

Albuquerque, New Mexico.

FIRST COMMUNITY BANK

Newspaper:

Federal Register:

* 3A3 06/30/2007

06/29/2007

FirstBank Holding Company, Lakewood,

Colorado, to acquire up to 100 percent of the

voting shares of FirstBank of Arizona,

Phoenix, Arizona (in organization).

FIRSTBANK HOLDING

COMPANY

* 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

456755 EXCHANGE B&TC, PERRY, OKLAHOMA 02/26/2007 05/25/2007 S Small Bank

988452 FIRST BETHANY BK & TR, BETHANY, OKLAHOMA 03/05/2007 06/05/2007 S Small Bank

449953 SOLUTIONSBANK, OVERLAND PARK, KANSAS 02/20/2007 05/25/2007 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending June 9, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

HCSB, a state banking association, Plainview, 06/21/2007

Texas, to establish a branch to be located at

710 South Adams, Fredericksburg, Texas

78624.

HCSB, A STATE BANKING

ASSOCIATION

Newspaper:

Federal Register:

* Branch

Not applicable

Independent Bank of Texas, Irving, Texas, to 06/28/2007

move the branch from 2601 Network Blvd.,

Frisco, Texas 75034, to 1518 Legacy Drive,

Frisco, Texas 75034.

INDEPENDENT BANK OF

TEXAS

Newspaper:

Federal Register:

CIC 06/22/2007

06/25/2007

Notice by Ms. Susan Moore Carter Rhoades,

Pampa, Texas, to acquire an interest up to

20.30 percent in Miami Bancshares, Inc.,

Miami, Texas, and indirectly First State Bank

of Miami Texas, Miami, Texas.

MIAMI BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 06/22/2007

06/25/2007

Notice by Mr. Locke M. Carter, Wolfforth,

Texas, to acquire an interest up to 20.30

percent in Miami Bancshares, Inc., Miami,

Texas, and indirectly First State Bank of

Miami Texas, Miami, Texas.

MIAMI BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 06/22/2007

06/25/2007

Notice by Mr. David E. Locke, Miami, Texas,

to acquire an interest up to 22.20 percent in

Miami Bancshares, Inc., Miami, Texas, and

indirectly acquire First State Bank of Miami

Texas, Miami, Texas.

MIAMI BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice has been filed by John Luther King, Jr,

Dallas, Texas.; Teresa Ann King, Dallas,

Texas; LKCM Investment Partnership, L.P.,

Ft. Worth, Texas; New Summit Partners, L.P.,

Ft. Worth, Texas; LKCM Private Discipline

Master Fund, SPC, Grand Cayman, Cayman

Islands; J. Bryan King, Ft. Worth, Texas; and

Mason D. King, Ft. Worth, Texas, together,

acting in concert, to increase their ownership

and voting control of MS Financial, Inc.,

Kingwood, Texas, from 7.97 percent to 12.69

percent, and indirectly acquire Main Street

Bank, Kingwood, Texas.

MS FINANCIAL, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Southwest Bank, Fort Worth, Texas, to become

a member of the Federal Reserve System.

SOUTHWEST BANK

Newspaper:

Federal Register:

* 3A1 Not available

06/26/2007

TrustTexas Mutual Holding Company, Cuero,

Texas, and TrustTexas Financial Group, Inc.,

Cureo, Texas, to become bank holding

companies by acquiring 100 percent of

TrustTexas Bank, S.S.B., Cuero, Texas.

TRUSTTEXAS MUTUAL

HOLDING COMPANY

* 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

706151 STATE BK TX, HOUSTON, TEXAS 03/26/2007 07/02/2007 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 June 9, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

07/06/2007

Granite Bancshares, Inc., to become a bank

holding company by acquiring 100 percent of

Granite Community Bank, N.A., both of

Granite Bay, California.

GRANITE BANCSHARES, INC.

* 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