Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 11

Week Ending March 17, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions March 11, 2007 to March 17, 2007

Forms

Forms -- final Board review to collect domestic branch data on the Annual Report 

of Bank Holding Companies (FR Y-6) and Report of Changes in Organizational 

Structure (FR Y-10), to reinstate and revise the Central Bank Survey of Foreign 

Exchange and Derivative Market Activity (FR 3036), and to extend with revision 

the Weekly Report of Assets and Liabilities for Large Banks (FR 2416), Weekly 

Report of Selected Assets (FR 2644), and Weekly Report of Assets and Liabilities 

for Large U.S. Branches and Agencies of Foreign Banks (FR 2069).

- Approved, March 16, 2007 

Regulations And Policies

Regulation P (Privacy of Consumer Financial Information) -- publication for 

comment of an interagency model form that financial institutions may use to satisfy 

the requirements for privacy notices required by the Gramm-Leach-Bliley Act.

- Approved, March 16, 2007 

Enforcement

Intesa Sanpaolo S.p.A., Turin, Italy, and its New York branch -- written agreement 

with the Federal Reserve Bank of New York and the New York State Banking 

Department.

- Announced, March 13, 2007 

(AC) = Addition or Correction Board - Page 1 of 1
March 11, 2007 to March 17, 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 Sacramento, Sacramento, California -- to establish a temporary branch at 

1508 Eureka Road, Roseville, and a permanent branch at 1478 Stone Point Drive.

- Approved, March 14, 2007 

San Francisco

Bank of the Commonwealth, Norfolk, Virginia -- to establish a branch at 562 

Carotoke Highway, Moyock, North Carolina.

- Approved, March 14, 2007 

Richmond

Bank of the Commonwealth, Norfolk, Virginia -- to establish a branch at 1304 

Greenbrier Parkway, Chesapeake.

- Approved, March 14, 2007 

Richmond

Capital City Bank, Tallahassee, Florida -- to establish branches at 7153 Broad 

Street, Brooksville, and 6200 Skipper Road, Macon, Georgia.

- Approved, March 15, 2007 

Atlanta

Commerce Union Bank, Springfield, Tennessee -- to establish a mobile branch to 

serve Sumner, Wilson and Robertson counties.

- Approved, March 15, 2007 

Atlanta

First Bank, St. Louis, Missouri -- to establish a branch at 804 West Highway 50, 

O'Fallon, Illinois.

- Approved, March 14, 2007 

St. Louis

Glacier Bank of Whitefish, Whitefish, Montana -- to establish a branch at 6195 

Highway 93 South.

- Approved, March 16, 2007 

Minneapolis

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority March 11, 2007 to March 17, 2007

Bank Branches, Domestic

Johnson Bank, Racine, Wisconsin -- to establish a branch at 7401 144th Avenue, 

Kenosha.

- Approved, March 12, 2007 

Chicago

Johnson Bank, Racine, Wisconsin -- to establish a branch at 2019 Cenex Drive, 

Rice Lake.

- Approved, March 12, 2007 

Chicago

Old Southern Bank, Orlando, Florida -- to establish a branch near the intersection of 

S.R. 434 and Montgomery Road, Altamonte Springs.

- Approved, March 16, 2007 

Atlanta

Bank Holding Companies

AMG National Corp., Englewood, Colorado -- to become a bank holding company 

and to retain AMG National Trust Bank on its conversion from a trust company to a 

commercial bank.

- Withdrawn, March 13, 2007 

Kansas City

BNC Financial Group, Inc., New Canaan, Connecticut -- to become a bank holding 

company and to acquire The Bank of New Canaan.

- Approved, March 15, 2007 

New York

Castle Creek Capital Partners III, L.P., Rancho Sante Fe, California; Castle Creek 

Capital III LLC; Eggemeyer Capital LLC; Ruh Capital LLC; Legions IV Advisory 

Corp.; and The BANKshares, Inc, Melbourne, Florida -- to acquire BankFIRST 

Bancorp, Winter Park, and thereby acquire BankFIRST.

- Approved, March 16, 2007 

San Francisco

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority March 11, 2007 to March 17, 2007

Bank Holding Companies

Coastal Community Investments, Inc., Panama City Beach, Florida -- to acquire 

Bayside Financial Corporation, Port St. Joe, and Bayside Savings Bank.

- Approved, March 16, 2007 

Atlanta

Encore Bancshares, Inc., Houston, Texas -- to become a bank holding company and 

to acquire Encore Bank, Naples, Florida, on its conversion from a federal savings 

bank to a national bank.

- Approved, March 12, 2007 

Atlanta

Farmers & Merchants Bancshares, Inc., Houston, Texas -- to acquire Texas Premier 

Bank, National Association, Brookshire.

- Approved, March 14, 2007 

Dallas

FBC Bancorp, Inc., Orlando, Florida -- to become a bank holding company and to 

acquire Florida Bank of Commerce.

- Approved, March 14, 2007 

Atlanta

Fidelity Company, Dubuque, Iowa -- waiver of application in connection with the 

acquisition of First National Bank, Oelwein, and the merger of First National Bank 

with Fidelity Bank & Trust, Dyersville.

- Granted, March 16, 2007 

Chicago

First NBC Bank Holding Company, New Orleans, Louisiana -- to become a bank 

holding company and to acquire First NBC Bank.

- Approved, March 12, 2007 

Atlanta

First Texas BHC, Inc., Fort Worth, Texas -- to become a bank holding company and 

to acquire Community Bank of Texas, National Association, Grand Prairie.

- Approved, March 12, 2007 

Dallas

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority March 11, 2007 to March 17, 2007

Bank Holding Companies

Middlefield Banc Corp., Middlefield, Ohio -- to acquire Emerald Bank, Dublin.

- Approved, March 16, 2007 

Cleveland

NHB Holdings, Inc., Jacksonville, Florida, and Proficio Mortgage Ventures LLC -- 

to engage de novo through a joint venture with American International Relocation 

Solutions in conducting mortgage banking activities through Iris Mortgage 

Solutions, Pittsburgh, Pennsylvania.

- Approved, March 13, 2007 

San Francisco

Orchid Financial Bancorp, Inc., South Elgin, Illinois -- to acquire 55 percent of the 

shares of Ashland Financial Bancorp, Inc., Chicago, and thereby acquire American 

Eagle Bank of Chicago, a de novo bank; and for Ashland Financial Bancorp, Inc. to 

become a bank holding company and to acquire American Eagle Bank of Chicago.

- Approved, March 16, 2007 

Chicago

Relations Bancshares, Inc., Jasper, Alabama -- to become a bank holding company 

and to acquire Bank of Walker County.

- Approved, March 16, 2007 

Atlanta

Spalding City Corporation, Omaha, Nebraska -- to continue to engage in general 

insurance activities through the retention of Spalding City Insurance Agency, 

Spalding.

- Approved, March 16, 2007 

Kansas City

Stifel Financial Corp., St. Louis, Missouri -- to become a bank holding company 

and to acquire First Service Financial Company, St. Louis, and FirstService Bank, 

Crestwood.

- Approved, March 14, 2007 

St. Louis

TIB Financial Corp., Naples, Florida -- to acquire Bank of Venice, Venice.

- Approved, March 16, 2007 

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority March 11, 2007 to March 17, 2007

Bank Holding Companies

Town Bancshares, Inc., Antioch, Illinois -- to become a bank holding company and 

to acquire Town Community Bank and Trust (formerly Greater North Bank).

- Approved, March 12, 2007 

Chicago

Bank Mergers

Bank of Blue Valley, Overland Park, Kansas -- to purchase certain assets and 

assume certain liabilities of the Lackman Road branch of Northland National Bank, 

Gladstone, Missouri, and thereby establish a branch.

- Approved, March 12, 2007 

Kansas City

Chemung Canal Trust Company, Elmira, New York -- to merge with Partners 

Interim Bank, Utica, a subsidiary of Partners Trust Bank, and thereby acquire 

certain trust accounts from Partners Trust Bank.

- Approved, March 15, 2007 

New York

Citizens Bank, Flint, Michigan -- to merge with Republic Bank, Lansing, and 

thereby establish branches.

- Approved, March 16, 2007 

Chicago

Orrstown Bank, Shippensburg, Pennsylvania -- to merge with First National Bank 

of Newport, Newport.

- Approved, March 14, 2007 

Philadelphia

Bank Premises

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

premises.

- Approved, March 15, 2007 

Kansas City

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority March 11, 2007 to March 17, 2007

Banks, Foreign

Banco Santander Totta, S.A., Lisbon, Portugal -- to establish a representative office 

in Mineola, New York.

- Approved, March 16, 2007 

Director, BS&R

The Bank of Nova Scotia, Toronto, Canada -- to establish a branch in Houston, 

Texas.

- Approved, March 13, 2007 

Director, BS&R

Jamaica National Building Society, Kingston, Jamaica -- relief from a commitment.

- Withdrawn, March 15, 2007 

Atlanta

Change In Bank Control

First Express of Nebraska, Inc., Gering, Nebraska -- change in bank control.

- Permitted, March 16, 2007 

Kansas City

Ohio State Bancshares, Inc., Marion, Ohio -- change in bank control.

- Permitted, March 13, 2007 

Cleveland

Extensions Of Time

Capital City Bank, Tallahassee, Florida -- extension to April 25, 2008, to establish a 

branch at 5200 Newberry Road, Gainesville.

- Granted, March 15, 2007 

Atlanta

Capitol Bancorp Ltd., Lansing, Michigan, and Capitol Development Bancorp 

Limited VI -- extension to June 13, 2007, to acquire 51 percent of the shares of 

Larimer Commerce Bank, Fort Collins, Colorado, a de novo bank; and for Capitol 

Bancorp Colorado Ltd II, Lansing, to become a bank holding company and to 

acquire 51 percent of the shares of Larimer Commerce Bank, Fort Collins, a de 

novo bank.

- Granted, March 13, 2007 

Chicago

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority March 11, 2007 to March 17, 2007

Extensions Of Time

First Banks, Inc., Hazelwood, Missouri -- extension to June 11, 2007, to acquire an 

additional 4.09 percent, for a total of 24.99 percent, of the shares of Community 

West Bancshares, Goleta, California, and thereby acquire Community West Bank, 

National Association.

- Granted, March 12, 2007 

St. Louis

Glenville Bank Holding Company, Inc., Scotia, New York -- extension to April 14, 

2007, to acquire First National Bank of Scotia.

- Granted, March 14, 2007 

New York

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to May 24, 2007, 

to establish a branch at 3349 East Queen Creek Road (formerly at Queen Creek and 

Higley Roads), Gilbert, Arizona.

- Granted, March 13, 2007 

Chicago

Membership

CoBiz Bank, N.A., Denver, Colorado -- to retain its membership in the Federal 

Reserve System on conversion from a national charter to a state charter.

- Approved, March 14, 2007 

Kansas City

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

Federal Reserve Bank of Boston

Filings received during the week ending March 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5

4c8

04/05/2007

Chittenden Corporation, Burlington, Vermont

to acquire: i) Merrill Merchants Bancshares,

Inc. and Merrill Merchants Bank, both of

Bangor, Maine, pursuant to sections 3(a)(3)

and 3(a)(5) of the BHC Act; and ii) greater

than 5% of M&M Consulting Limited Liability

Company, Bangor, Maine and Profit

Protection, L.L.C., Fort Lauderdale, Florida

pursuant to section 4(c)(8) of the BHC Act.

CHITTENDEN CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

02/12/2007

Merrimack Bancorp, MHC, Concord, New

Hampshire to acquire 100% of the voting

shares of Bow Mills Bank, Bow, New

Hampshire pursuant to section 3(a)(3) of the

BHC Act.

MERRIMACK BANCORP MHC

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5 Not available

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

* 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 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

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,

provided notice to the Board of Governors of

the Federal Reserve System of its intention to

establish a domestic branch in Seattle,

Washington.

BANCO SANTANDER

INTERNATIONAL

Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

Banco Santander International, Miami, Florida

an Edge subsidiary of Banco Santander Central

Hispano, S.A., Madrid, Spain requests aproval

to amend Section Seventh of its Articles of

Association to reflect an increase in its capital

stock.

BANCO SANTANDER

INTERNATIONAL

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3

* 3A5

04/13/2007

The Bank of New York Mellon Corporation,

New York, New York ("BNY Mellon")

requests prior approval for the merger of

Mellon Financial Corporation, Pittsburgh,

Pennsylvania and The Bank of New York

Company, Inc., New York, New York, with

and into BNY Mellon, and the acquisition of

each of their subsidiary banks and bank

holding companies.

BANK OF NEW YORK

MELLON CORPORATION THE

Newspaper:

Federal Register:

* 3A1

Not available

Boymelgreen Financial Holdings Inc., requests 04/15/2007

to become a one-bank holding company by

acquiring LibertyPointe Bank, both of New

York, New York.

Boymelgreen Financial Holdings

Inc.

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 03/22/2007

request to open and occupy a seasonal-use

limited branch to be located at M&T Bank

Stadium, 1101 Russell Street, Baltimore,

Maryland.

MANUFACTURERS AND

TRADERS TRUST COMPANY

* 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 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

Not available

First Priority Financial Corp., Malvern, PA, to 04/19/2007

form a bank holding company by acquiring

First Priority Bank, Malvern, PA

First Priority Financial Corp.

* 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

682611 SUSQUEHANNA BK PA, LITITZ, PENNSYLVANIA 10/02/2006 03/12/2007 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending March 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5

Not available

LNB Bancorp, Inc., Lorain, OH to acquire 04/11/2007

Morgan Bancorp, Inc., and its wholly-owned

bank subsidiary, Morgan Bank, N.A., both

located in Hudson, OH pursuant to Section

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

LNB BANCORP INC.

Newspaper:

Federal Register:

Foreign Branch Not applicable

Not applicable

PNC Financial Services Group, Inc.,

Pittsburgh, Pennsylvania, through its

wholly-owned indirect subsidiary PFPC Bank

Limited, Dublin, Ireland (fka PFPC Trustee &

Custodial Limited)proposes to establish a

branch in Luxembourg City, Luxembourg

PNC FINANCIAL SERVICES

GROUP, INC., THE

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Waterford Bancorp, Inc., Sylvania Township,

OH to become a bank holding company by

acquiring 100% of the voting shares of

Waterford Bank, N.A., Sylvania Township,

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

Holding Company Act.

Waterford Bancorp, 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

27614 ANDOVER BK, ANDOVER, OHIO 12/11/2006 03/07/2007 S Small 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 March 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Monarch Bank, Chesapeake, Virginia, 03/23/2007

proposes to establish a branch trading as OBX

Bank at 3708 Croatan Highway North, Unit

#1, Kitty Hawk, North Carolina.

MONARCH BANK

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Oak Ridge Financial Services, Inc., Oak Ridge,

North Carolina, to become a bank holding

company through the acquisition of 100% of

the voting securities of the Bank of Oak Ridge,

Oak Ridge, North Carolina.

Oak Ridge Financial Services,

Inc.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

PSB Holding Corp., Preston, Maryland, to

engage in the origination and sale of

residential mortgage loans to the secondary

marketng through the retention of 100% of the

voting securities of Community Bank

Mortgage Corporation, Easton, Maryland.

PSB HOLDING CORP.

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Raleigh, North Carolina, 03/23/2007

to establish a branch at 169 Dauphin Street,

Suite 319, Mobile, Alabama.

RBC CENTURA BANK

* 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

188720 FARMERS BK OF APPOMATTOX, APPOMATTOX, VIRGINIA 08/28/2006 02/14/2007 S Small Bank

3058329 FREDERICK CTY BK, FREDERICK, MARYLAND 11/27/2006 02/14/2007 S Small Bank

679826 MIDDLEBURG BK, MIDDLEBURG, VIRGINIA 10/30/2006 02/01/2007 S Int Sm Bank

310875 SHORE BK, ONLEY, VIRGINIA 11/06/2006 02/05/2007 S Small Bank

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 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

1st United Bank, Boca Raton, Florida, to 03/24/2007

establish a branch located at 2855 N.

University Drive, Suite 420, Coral Springs,

Florida.

1ST UNITED BANK

Newspaper:

Federal Register:

* Branch

Not applicable

BankEast, Knoxville, Tennessee, to establish a 03/25/2007

branch located at 7971 E. Lamar Alexander

Parkway, Townsend, Tennessee.

BANKEAST

Newspaper:

Federal Register:

* Branch

Not applicable

Commerce Union Bank, Springfield, 03/19/2007

Tennessee, to establish a mobile branch to

serve Davidson County, Tennessee.

COMMERCE UNION BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Commerce Union Bank, Springfield, 03/29/2007

Tennessee, to establish a branch located at 714

Nashville Pike, Gallatin, Tennessee.

COMMERCE UNION BANK

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Greene County Bancshares, Inc., Greeneville,

Tennessee, to acquire 100 percent of the

outstanding shares of Civitas Management

Company, Inc., Franklin, Tennessee, and

thereby engage in making, acquiring,

brokering, or servicing loans or other

extensions of credit.

GREENE COUNTY

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Sterling Bank, Lantana, Florida, to establish a 03/23/2007

branch located at 600 North Federal Highway,

Boca Raton, Florida.

STERLING 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 March 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 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:

* 3A3 03/29/2007

03/22/2007

C-B-G, Inc., West Liberty, Iowa, to acquire up

to $500,000 in additional shares of

Washington Bancorp, Washington, Iowa, and

thereby indirectly increase its interest in

Washington Bancorp's subsidiary, Federation

Bank, Washington, Iowa.

C-B-G, INC.

Newspaper:

Federal Register:

* 4c8 Not available

Not available

Capitol Bancorp, Ltd., Lansing, Michigan, to

convert Ohio Commerce Bank, Beachwood,

Ohio and Bank of Maumee, Maumee, Ohio,

into a thrift institution.

CAPITOL BANCORP LTD.

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 Not available

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:

* 18C Not available

* Branch Not applicable

Isabella Bank and Trust, Mt. Pleasant,

Michigan, to merge with FSB Bank,

Breckenridge, Michigan, and thereby to

establish 5 branches.

ISABELLA BANK AND TRUST

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

M&I Marshall & Ilsley Bank, Milwaukee,

Wisconsin, to acquire certain of the assets and

assume certain of the liabilities of Fidelity

Bank, Norcross, Georgia, and thereby to

establish a branch at 640 East SR 434,

Longwood, Florida.

M&I MARSHALL & ILSLEY

BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

M&I Marshall & Ilsley Bank, Milwaukee,

Wisconsin, to merge with United Heritage

Bank, Orlando, Florida, and thereby to

establish 13 branches.

M&I MARSHALL & ILSLEY

BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

M&I Marshall & Ilsley Bank, Milwaukee,

Wisconsin, to acquire substantially all of the

assets and assume substantially all of the

liabilities of United Heritage Bank, Orlando,

Florida, and thereby to establish 12 branches.

M&I MARSHALL & ILSLEY

BANK

* Subject to the provisions of the Community Reinvestment Act
District: 7

Federal Reserve Bank of Chicago

Filings received during the week ending March 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

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:

* 3A3 Not available

04/09/2007

Paramount Bancorp, Inc., Farmington Hills,

Michigan, to acquire 100 percent of the voting

shares of Paramount Bank Nevada (in

organization), Las Vegas, Nevada.

PARAMOUNT 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

37743 CALUMET CTY BK, BRILLION, WISCONSIN 12/04/2006 03/08/2007 S Small Bank

180443 IOWA PRAIRIE BK, BRUNSVILLE, IOWA 11/13/2006 03/07/2007 S Small Bank

58243 JOHNSON BK, RACINE, WISCONSIN 08/07/2006 02/23/2007 O Large 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 March 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Twin City Bank, North Little Rock, Arkansas, 03/30/2007

to establish a branch facility to be located at

2302 North Reynolds Road, Bryant, Arkansas.

TWIN CITY BANK

* Subject to the provisions of the Community Reinvestment Act
District: 8

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

704755 BANK OF LINCOLN COUNTY, ELSBERRY, MISSOURI 09/11/2006 01/08/2007 S Small Bank

2356710 BANK OF ROGERS, ROGERS, ARKANSAS 09/11/2006 01/08/2007 S Small Bank

856748 CITIZENS BK, BATESVILLE, ARKANSAS 01/09/2006 04/21/2006 S Int Sm Bank

912578 HERITAGE ST BK, LAWRENCEVILLE, ILLINOIS 09/18/2006 12/20/2006 O Small Bank

35842 PREMIER BK OF JACKSONVILLE, JACKSONVILLE, ILLINOIS 11/06/2006 02/19/2007 S Small Bank

459046 SIMMONS FIRST BK, RUSSELLVILLE, ARKANSAS 06/05/2006 11/01/2006 S Small Bank

2907484 TWIN CITY BK, NORTH LITTLE ROCK, ARKANSAS 08/07/2006 11/17/2006 S Int Sm Bank

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 17, 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

Newspaper:

Federal Register:

* 3A3 Not available

04/02/2007

BlackRidge Financial, Inc., Fargo, North

Dakota, to acquire 100 percent of

BlackRidgeBANK, Fargo, North Dakota, a de

novo bank.

BLACKRIDGE FINANCIAL,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

Member 04/09/2007

Hayward Bancshares, Inc., Eau Claire,

Wisconsin, to acquire 100 percent of Summit

Community Bank, Maplewood, Minnesota, and

incident thereto, Summit Community Bank,

Maplewood, Minnesota, a de novo bank, to

become a member of the Federal Reserve

System.

HAYWARD BANCSHARES,

INC.

* Subject to the provisions of the Community Reinvestment Act
District: 9

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

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:

CIC 03/14/2007

03/16/2007

Notification by Jeffrey G. Dawson Revocable

Trust dated 6-10-05, Mound City, Kansas,

Jeffrey G. Dawson, trustee, to retain control of

Cunningham Agency, Inc., parent of Farmers

and Merchants Bank of Mound City, both in

Mound City, Kansas, through the acquisition

of voting shares.

CUNNINGHAM AGENCY, INC.

Newspaper:

Federal Register:

* 3A3 Not available

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:

* 3A1 Not available

03/19/2007

Farmers and Drovers Financial Corp., Council

Grove, Kansas, to become a bank holding

company through the acquisition of 100

percent of the voting shares of Farmers and

Drovers Bank, Council Grove, Kansas.

FARMERS AND DROVERS

FINANCAL CORP

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 03/29/2007

03/27/2007

Tyson Aaron Rucker, Eureka, Kansas and

Bradley Dean Rucker, Wichita, Kansas, to

become members of a group acting in concert

to acquire control of Greenwood County

Financial Services, Inc, Eureka, Kansas, parent

of Home Bank and Trust Company, Eureka,

Kansas, through the acquisition of voting

shares.

GREENWOOD COUNTY

FINANCIAL SERVICES, 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

1014451 AMERICAN EXCH BK, ELMWOOD, NEBRASKA 12/11/2006 03/15/2007 S Small Bank

433354 INTERBANK, ELK CITY, OKLAHOMA 11/27/2006 03/01/2007 S Small Bank

21256 STATE BK OF BURRTON, BURRTON, KANSAS 12/11/2006 03/06/2007 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 March 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 03/31/2007

04/12/2007

Bozka Investments, LTD., Hallettsville, Texas,

to become a bank holding company by

acquiring 15.63 percent of Peoples State Bank

of Hallettsville, Hallettsville, Texas. The

Bozka Management Trust, Hallettsville, Texas,

is the General Partner of Bozka Investments,

Ltd. and Mr. James N. Bozka, Hallettsville,

Texas, is Trustee of the Bozka Management

Trust.

BOZKA INVESTMENTS, LTD.

Newspaper:

Federal Register:

* Branch

Not applicable

LegacyTexas Bank, Plano, Texas, to establish a 03/27/2007

branch to be located at 1320 S. University,

Suite 314, Fort Worth, Texas 76107.

LEGACYTEXAS BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

United Bank of El Paso del Norte, El Paso,

Texas, to establish a branch to be located at

1726 Zaragoza, Suite C-D, El Paso, Texas

79936.

UNITED BANK OF EL PASO

DEL NORTE

* 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 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 03/30/2007

04/02/2007

Banner Corporation, Walla Walla,

Washington, to merge with San Juan Financial

Holding Company and thereby indirectly

acquire its subsidiary, Islanders Bank, both of

Friday Harbor, Washington.

BANNER CORPORATION

Newspaper:

Federal Register:

* 3A1

* 3A3

04/07/2007

04/13/2007

1) Belvedere SoCal, San Francisco California,

to become a bank holding company by

acquiring 100 percent of Professional Business

Bank, Pasadena, California; and 2) Belvedere

Capital Partners II, LLC, and Belvedere

Capital Fund II, LP, San Francisco, California,

to indirectly acquire up to 58 percent of

Professional Business Bank, Pasadena,

California.

Belvedere SoCal

Newspaper:

Federal Register:

* 3A3 Not available

04/02/2007

Franklin Resources, Inc., San Mateo,

California, to retain 8.11 percent of Coast

Financial Holdings, Inc., and thereby indirectly

retain its subsidiary, Coast Bank of Florida,

both of Bradenton, Florida.

FRANKLIN RESOURCES, 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