Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 16

Week Ending April 21, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions April 15, 2007 to April 21, 2007

Board Operations

Division of Banking Supervision and Regulation -- appointment of Coryann 

Stefansson and Jon D. Greenlee as Associate Directors.

- Approved, April 20, 2007 

Office of Inspector General -- appointment of Harvey Witherspoon as Assistant 

Inspector General.

- Approved, April 13, 2007 (AC)

Enforcement

Asian Bank, Philadelphia, Pennsylvania -- written agreement dated January 18, 

2005, terminated April 17, 2007.

- Announced, April 19, 2007 

Regulations And Policies

Electronic Consumer Disclosures -- publication for comment of amendments to five 

consumer regulations (Regulations B, E, M, Z, and DD) to clarify the requirements 

for providing consumer disclosures in electronic form, to withdraw certain 

provisions issued as interim rules in 2001, and to retain certain provisions of the 

interim rules that provide regulatory relief and guidance on the use of electronic 

disclosures (Docket Nos. R-1281, R-1282, R-1283, R-1284, and R-1285).

- Approved, April 17, 2007 

(AC) = Addition or Correction Board - Page 1 of 1
April 15, 2007 to April 21, 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

Banco Popular North America, New York, New York -- to establish a branch at 

2317 Ponce de Leon Boulevard, Coral Gables, Florida.

- Approved, April 19, 2007 

New York

Bank of the Orient, San Francisco, California -- to establish a branch at 9100 

Alcosta Boulevard, San Ramon.

- Approved, April 19, 2007 

San Francisco

The Citizens Bank of Edmond, Edmond, Oklahoma -- to establish a branch at the 

intersection of Pennsylvania Avenue and 164th Street, Oklahoma City.

- Approved, April 19, 2007 

Kansas City

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 3251 North 

Green River Road, Evansville, Indiana.

- Approved, April 17, 2007 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 1950 West 

33rd Street, Chicago, Illinois.

- Approved, April 19, 2007 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 5501 North 

Ashland Avenue, Chicago, Illinois.

- Approved, April 19, 2007 

Cleveland

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish a branch at 

14850 North Scottsdale Road, Scottsdale, Arizona.

- Approved, April 18, 2007 

Secretary

(AC) = Addition or Correction Delegated - Page 1 of 4
H.2 Actions under delegated authority April 15, 2007 to April 21, 2007

Bank Branches, Domestic

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

branch at 7604 Belair Road, Fullerton, Maryland.

- Approved, April 19, 2007 

Secretary

Primebank, Le Mars, Iowa -- to establish a branch at 5680 Sunnybrook Drive, Sioux 

City.

- Approved, April 19, 2007 

Chicago

Bank Holding Companies

Bank of Marin Bancorp, Novato, California -- to become a bank holding company 

and to acquire Bank of Marin.

- Approved, April 19, 2007 

San Francisco

Belvedere Capital Fund II L.P., San Francisco, California, and Belvedere Capital 

Partners II LLC -- to acquire up to 58 percent of the shares of Belvedere SoCal, a de 

novo company, and thereby acquire Professional Business Bank, Pasadena; and for 

Belvedere SoCal to become a bank holding company and to acquire Professional 

Business Bank.

- Approved, April 19, 2007 

Secretary

Beverly Hills Bancorp Inc., Calabasas, California -- to engage in financial and 

investment advisory activities through BH Assets Management Inc.

- Approved, April 20, 2007 

San Francisco

Beverly Hills Bancorp Inc., Calabasas, California -- to engage in financial and 

investment advisory activities through BH Opportunity Fund LLC.

- Approved, April 20, 2007 

San Francisco

(AC) = Addition or Correction Delegated - Page 2 of 4
H.2 Actions under delegated authority April 15, 2007 to April 21, 2007

Bank Holding Companies

Bozka Investments, Ltd., Hallettsville, Texas -- to become a bank holding company 

and to acquire 15.63 percent of the shares of Peoples State Bank of Hallettsville.

- Approved, April 17, 2007 

Dallas

Butler Bancorp, MHC, Lowell, Massachusetts, and Butler Bancorp, Inc. -- to 

acquire Marlborough Bancorp, MHC, Marlborough, and Marlborough Co-operative 

Bank.

- Approved, April 20, 2007 

Boston

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

Limited V -- to convert Ohio Commerce Bank, Beachwood, Ohio, and Bank of 

Maumee, Maumee, into thrift institutions and thereby operate savings associations.

- Approved, April 19, 2007 

Chicago

Cedar Bancorp, Inc., Mount Vernon, Illinois -- to become a bank holding company 

and to acquire Jeff City Bancorp, Inc. and thereby acquire First National Bank of 

Mount Vernon.

- Approved, April 19, 2007 

St. Louis

Dickinson Financial Corporation II, Kansas City, Missouri, and Dickinson Financial 

Corporation -- to acquire SunBank, N.A., Phoenix, Arizona, a de novo bank.

- Approved, April 18, 2007 

Secretary

Hayward Bancshares, Inc., Eau Claire, Wisconsin -- to acquire Summit Community 

Bank, Maplewood, Minnesota, a de novo bank, and for Summit Community Bank to 

become a member of the Federal Reserve System.

- Approved, April 18, 2007 

Minneapolis

(AC) = Addition or Correction Delegated - Page 3 of 4
H.2 Actions under delegated authority April 15, 2007 to April 21, 2007

Bank Holding Companies

LNB Bancorp Inc., Lorain, Ohio -- to acquire Morgan Bancorp, Inc., Hudson, and 

Morgan Bank, N.A.

- Approved, April 18, 2007 

Cleveland

Standard Bancshares, Inc., Hickory Hills, Illinois -- waiver of application to acquire 

Community Bank of Lemont, Lemont, in connection with the merger of Community 

Bank of Lemont with Standard Bank and Trust Company, Hickory Hills.

- Withdrawn, April 19, 2007 

Chicago

United Central Bank, Garland, Texas -- waiver of application to become a bank 

holding company temporarily in connection with the acquisition by merger of 

Mercantile National Bank, Los Angeles, California.

- Granted, April 20, 2007 

Dallas

Bank Premises

NBRS Financial Bank, Rising Sun, Maryland -- to increase its investment in bank 

premises.

- Approved, April 20, 2007 

Richmond

Change In Bank Control

Peoples-Marion Bancorp, Inc., Marion, Kentucky -- change in bank control.

- Permitted, April 18, 2007 

Secretary

International Operations

Citibank, N.A., New York, New York -- waiver of remainder of notification period 

for Citibank, N.A., Las Vegas, Nevada, and Citibank Overseas Investment 

Corporation, New Castle, Delaware, to make investments and to exclude the 

investments from the general consent limit under Regulation K.

- Granted, April 20, 2007 

Director, BS&R

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

Federal Reserve Bank of Boston

Filings received during the week ending April 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

* 3A3 05/11/2007

BankFive, MHC, and BankFive Corporation,

both of Fall River, Massachusetts to acquire

New Bedford Community Bancorp and its

subsidiary bank, Luzo Community Bank, both

of New Bedford, Massachusetts, pursuant to

sections 3(a)(3) and 

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

1956, as amended.

BANKFIVE, MHC

Newspaper:

Federal Register:

* 18C

Not applicable

State Street Bank and Trust Company, Boston, 04/12/2007

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 April 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 05/04/2007

Banco Bilbao Vizcaya Argentaria, S.A.

("BBVA"), Bilbao, Spain, to acquire Compass

Bancshares, Inc., Birmingham, Alabama, and

thereby indirectly acquire its U.S. bank

subsidiaries, Compass Bank, Birmingham,

Alabama, and Central Bank of the South,

Anniston, Alabama.

In addition, Circle Merger Corp., Birmingham,

Alabama, a wholly-owned subsidiary of

Compass Bancshares, Inc., to become a bank

holding company by acquiring Compass

Bancshares Inc., for a moment in time, to

facilitate the acquisition of Compass

Bancshares,Inc. by BBVA.

Furthermore, Blue Transaction Corporation,

The Woodlands, Texas, a wholly-owned

subsidiary of BBVA, proposes to become a

bank holding company through the merger of

Circle Merger Corp., with and into Blue

Transaction Corporation.

BANCO BILBAO VIZCAYA

ARGENTARIA, S.A.

Newspaper:

Federal Register:

* 3A3

4c8

05/11/2007

05/07/2007

The Bank of Nova Scotia, Toronto, Canada, to

acquire voting shares of First BanCorp, San

Juan, Puerto Rico, and thereby indirectly

acquire FirstBank Puerto Rico, San Juan,

Puerto Rico, and indirectly acquire FirstBank

Florida, Miami, Florida, and thereby operate a

savings association.

BANK OF NOVA SCOTIA, THE

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

The Industrial and Commercial Bank of China,

Limited, Beijing, Peoples Republic of China is

applying to establish a branch in New York.

INDUSTRIAL AND

COMMERCIAL BANK OF

CHINA, LIMITED, THE

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Intesa Sanpaolo S.p.A., Turin, Italy, to retain

the federally licensed branch of former

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

York.

INTESA SANPAOLO S.P.A.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Orange County Bancorp, Inc., to acquire 100

percent of the voting shares of Orange County

Trust Compnay, both of Middletown, New

York.

Orange County Bancorp

* 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 April 21, 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

2515441 POCONO CMNTY BK, STROUDSBURG, PENNSYLVANIA 11/20/2006 04/19/2007 S Small 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 April 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 5

Federal Reserve Bank of Richmond

Filings received during the week ending April 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

AmericasBank, Towson, Maryland, proposes 05/04/2007

to establish a branch at 1419 Forest Drive,

Suite 10, Annapolis, Maryland.

AMERICASBANK

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

NBRS Financial Bank, Rising Sun, Maryland,

to increase its investment in bank premises in

the amount of $1.5 million.

NBRS FINANCIAL 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

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 April 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Bank Independent, Sheffield, Alabama, to

establish a branch located at The Crossings of

Decatur, 2606 Highway 31, Decatur, Alabama.

BANK INDEPENDENT

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Guardian Bancshares, Inc., Sylacauga,

Alabama, notice to acquire 100 percent of the

outstanding shares of Adair Asset

Management, Sylacauga, Alabama, and

thereby engage in certain investment advisory

activities and securities brokerage activities.

GUARDIAN BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A1 05/09/2007

05/17/2007

Palm Bancorp, Inc., Tampa, Florida, to

become a bank holding company by acquiring

100 percent of the outstanding shares of The

Palm Bank, Tampa, Florida.

PALM BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 04/27/2007

a branch located at 2550 Nimmo Parkway,

Virginia Beach, Virginia, to be known as the

Courthouse Marketplace Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

TriSummit Bank, Kingsport, Tennessee, to 04/30/2007

establish a branch located at 600 North State of

Franklin Road, Suite 5, Johnson City,

Tennessee.

TRISUMMIT 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 April 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Lenawee, Adrian, Michigan, to 04/19/2007

establish a branch facility to be located at 1447

West Chicago Blvd., Tecumseh, Michigan.

BANK OF LENAWEE

Newspaper:

Federal Register:

* 3A1 Not available

05/18/2007

Broadway Bancorp, Inc., Chicago, Illinois, to

become a bank holding company by acquiring

100 percent of the voting shares of Broadway

Bank, Chicago, Illinois.

BROADWAY BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 04/28/2007

05/04/2007

Capitol Bancorp, Ltd., Lansing, Michigan and

Capitol Development Bancorp Limited VI,

Lansing, Michigan, to acquire 51 percent of

the voting shares of USNY Bank (in

organization), Geneva, New York.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

two branch facilities to be located at 13000

Saratoga-Sunnyvale Road, Saratoga, California

and 955 J Street, San Diego, California.

COMERICA BANK

Newspaper:

Federal Register:

CIC Not available

05/07/2007

Notice by Randall R. Schwartz, the Susan M.

Schwartz Trust, Orland Park, Illinois, Susan

M. Schwartz as trustee of the Susan M.

Schwartz Trust, Richard H. Schwartz, Esther

V. Schwartz, both of Lemont, Illinois, the

Clarence J. Ludwig Trust, Sarasota, Florida,

Clarence J. Ludwig as trustee of the Clarence

J. Ludwig Trust, the Mary Lou Ludwig Trust,

Sarasota, Florida, Mary Lou Ludwig as trustee

of the Mary Lou Ludwig Trust, the William D.

Ludwig Trust, Lincoln, Nebraska, William D.

Ludwig as trustee of the William D. Ludwig

Trust, Linda S. Macaskill, the John D.

Macaskill Revocable Trust, Sarasota, Florida,

and John D. Macaskill as trustee of the John D.

Macaskill Revocable Trust (collectively,

"Notificants"), to retain over 25 percent of the

voting shares of First Personal Financial Corp.,

Orland Park, Illinois ("Corp"), and thereby

indirectly retain shares of First Personal Bank,

Orland Park, Illinois.

FIRST PERSONAL FINANCIAL

CORP.

Newspaper:

Federal Register:

* 3A1 Not available

05/03/2007

Fox River Financial Corporation, Burlington,

Wisconsin, to become a bank holding company

by acquiring 100 percent of the voting shares

of Fox River State Bank, Burlington,

Wisconsin.

FOX RIVER FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A1

4c8

05/07/2007

05/11/2007

GC Bancorp, Inc., Chicago, Illinois, to become

a bank holding company by acquiring 100

percent of the voting shares of Gold Coast

Bank (in organization), Chicago, Illinois, and

to engage de novo in extending credit and

servicing loans.

GC BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Johnson Bank, Racine, Wisconsin, to establish 04/27/2007

two branch facilities to be located at 5215

Douglas Avenue, Racine, Wisconsin and 1702

South River Road, Janesville, Wisconsin.

JOHNSON BANK

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

Federal Reserve Bank of Chicago

Filings received during the week ending April 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

12-day Notice - Maunesha Bancshares, Inc.,

Waterloo, Wisconsin, proposes to engage de

novo in extending credit and servicing loans.

MAUNESHA BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A1 Not available

05/18/2007

St. Anne Bancorp, Inc., St. Anne, Illinois, to

become a bank holding company by acquiring

100 percent of the voting shares of National

Bank of Saint Anne, Saint Anne, Illinois.

ST ANNE 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

590949 BANK OF GENEVA, GENEVA, INDIANA 10/23/2006 04/10/2007 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 April 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Little Rock, Little Rock, Arkansas, to 04/29/2007

establish a branch facility to be located at 1201

Rahling Road, Little Rock, Arkansas.

BANK OF LITTLE ROCK

* 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

466754 BANK OF FAYETTE COUNTY, MOSCOW, TENNESSEE 01/08/2007 04/17/2007 S Small Bank

169653 FIRST BK, SAINT LOUIS, MISSOURI 07/24/2006 04/06/2007 S Large Bank

777441 FLORA B&TC, FLORA, ILLINOIS 01/08/2007 04/13/2007 S Small 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 April 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

05/17/2007

First American Investment, Inc., Lake Elmo,

Minnesota to become a bank holding company

by acquiring 100 percent of First American

Bank, National Association, Hudson,

Wisconsin, a de novo bank.

FIRST AMERICAN

INVESTMENT, 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

295057 SECURITY BK MN, ALBERT LEA, MINNESOTA 01/08/2007 04/18/2007 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 10

Federal Reserve Bank of Kansas City

Filings received during the week ending April 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 05/09/2007

05/18/2007

Young Partners, L.P. and Young Corporation,

both of Chillicothe, Missouri, to indirectly

acquire, and Citizens Bancshares Co.,

Chillicothe, Missouri, to directly acquire

additional shares, for a total of 22.1 percent of

the voting stock of First Community

Bancshares, Inc., Overland Park, Kansas,

parent of First Community Bank, Lee's

Summit, Missouri.

CITIZENS BANCSHARES CO.

Newspaper:

Federal Register:

CIC Not available

05/07/2007

Notifications filed by Richard W. Willhour, Jr.,

Inola, Oklahoma and Tommy L. Woods,

Tulsa, Oklahoma, to individually control and

by Richard W. Willhour, Jr., Inola, Oklahoma;

Tommy L. Woods, Thomas J. O'Brien,

Matthew Q. Klimisch, and John R. Woolman,

all of Tulsa, Oklahoma; Stephen M. Murphy

and Curtis L. Roberts, both of Jenks,

Oklahoma, all acting as a group in concert to

acquire control of the voting common stock of

CNBO Bancorp, Inc., Pryor, Oklahoma, parent

of Century National Bank of Oklahoma, Pryor,

Oklahoma.

CNBO BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 05/20/2007

05/14/2007

Country Bancshares, Inc., Jamesport, Missouri,

to acquire up to 14 percent of the voting shares

of Liberty First Bancshares, Inc., Liberty,

Missouri, and thereby indirectly acquire Park

Bank, Parkville, Missouri. Liberty First

Bancshares, Inc., Liberty, Missouri, to acquire

100 percent of the voting shares of Park Bank,

Parkville, Missouri.

COUNTRY BANCSHARES,

INC.

* Subject to the provisions of the Community Reinvestment Act
District: 10

Federal Reserve Bank of Kansas City

Filings received during the week ending April 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/24/2007

Notification by Jane A. Dickinson and Burton

K. Dickinson, both of Kansas City, Missouri,

as trustees of the Dickinson Family Stock

Retention Trust Dated February 9, 1999; the

Dickinson Grandchildren's Education Trust

Dated February 9, 1999; the Chillicothe

Properties Trust Dated July 30, 1998; to retain

control of Dickinson Financial Corporation II,

Kansas City, Missouri, and its subsidiaries

including: Dickinson Financial Corporation

and Bank Midwest, National Association, both

in Kansas City, Missouri; Armed Forces Bank,

National Association, Fort Leavenworth,

Kansas; Armed Forces Bank of California,

National Association, San Diego, California;

Academy Bank, National Association,

Colorado Springs, Colorado; Southern

Commerce Bank, National Association,

Tampa, Florida; and SunBank, National

Association, Phoenix, Arizona, (in

organization). Jane and Burton Dickinson are

also filing to become members of the

Dickinson Family Group, a group acting in

concert, to control the above listed

organizations.

DICKINSON FINANCIAL

CORPORATION II

Newspaper:

Federal Register:

* 3A3 05/09/2007

05/14/2007

The Farmers State Bank of Fort Morgan,

Colorado Employee Stock Ownership Plan, to

acquire up to 38 percent of the voting shares of

F.S.B. Bancorporation of Fort Morgan,

Colorado, parent of Farmers State Bank of Fort

Morgan, all in Fort Morgan, Colorado.

FARMERS STATE BANK OF

FORT MORGAN COLORADO

EMPLOYEE STOCK

OWNERSHIP PLAN, THE

Newspaper:

Federal Register:

CIC Not available

04/10/2007

Notification by William Scott Martin Trust,

and William S. Martin, Miami Beach, Florida,

as trustee, to acquire control of Green Country

Bancorporation, Inc., parent of The First State

Bank, both in Ketchum, Oklahoma.

GREEN COUNTRY

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A1 Not available

05/14/2007

Midwest Regional Bancorp, Inc., Festus,

Missouri, to become a bank holding company

through the acquisition of 100 percent of the

voting shares of Federated Bancshares, Inc.,

Stilwell, Kansas, parent of The Bank of

Otterville, Otterville, Missouri.

MIDWEST REGIONAL

BANCORP, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 10

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending April 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 05/05/2007

05/11/2007

Community Bancshares, Inc., Bridgeport,

Texas, to become a bank holding company by

acquiring 100 percent of The Community

Bank, Bridgeport, Texas (de novo).

COMMUNITY BANCSHARES,

INC.

Newspaper:

Federal Register:

CIC 05/04/2007

05/08/2007

Notice by Harry Lynn Williams and Oksana

Williams, Plano, Texas, to increase their

ownership to 13.20 percent of the voting

common stock of Snook Bancshares, Inc.,

Snook, Texas, and indirectly First Bank of

Snook, Snook, Texas.

SNOOK BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

TIB The Independent BankersBank, Irving,

Texas, to merge with South Bay Bank,

National Association, Torrance, California,

and to establish a branch to be located at 17011

Beach Boulevard, Suite 1260, Huntington

Beach, California.

TIB THE INDEPENDENT

BANKERSBANK

* 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 April 21, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

1st Pacific Bank of California, San Diego, 05/07/2007

California, to merge with Landmark National

Bank, Solana Beach, California, and thereby

acquire three branch offices.

1ST PACIFIC BANK OF

CALIFORNIA

Newspaper:

Federal Register:

CIC 05/04/2007

05/10/2007

Notice by Frank W. Yuen, Esq., to gain control

of Concord Place, Inc., Nassau, The Bahamas,

and thereby indirectly control Los Angeles

National Bank, Buena Park, California.

CONCORD PLACE, INC.

Newspaper:

Federal Register:

* 4c8 05/07/2007

05/07/2007

Franklin Resources, Inc., San Mateo,

California, to retain 5.03 percent of Hudson

City Bancorp, Inc., and thereby indirectly

retain its subsidiary, Hudson City Savings

Bank, FSB, both of Paramus, New Jersey.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Manhattan Bancorp to become a bank holding

company by acquiring 100 percent of Bank of

Manhattan, N.A. (In Organization), both of El

Segundo, California.

Manhattan Bancorp

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act