Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 26 

Week Ending June 30, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
Testimony And Statements

Consumer Protections in Financial Services -- statement by Governor Kroszner 

before the House Committee on Financial Services regarding the Board's role in 

protecting consumers in financial services transactions.

- Published, June 13, 2007

(A/C)

Board Operations

Division of Research and Statistics -- appointment of Larry Slifman as Senior 

Associate Director; Janice Shack-Marquez, David Reifschneider, and William 

Wascher as Associate Directors; Michael Gibson and Daniel Sichel as Deputy 

Associate Directors; Karen Dynan, Michael Palumbo, and Michael Kiley as 

Assistant Directors; Daniel Covitz as Assistant Director and Chief of the Capital 

Markets Section; David Lebow as Assistant Director and Chief of the 

Macroeconomic Analysis Section; and change in assignments for Diane Hancock, 

Robin Prager, and Michael Cringoli from Assistant Director/Chief to Assistant 

Director.

- Approved, June 29, 2007

Regulations And Policies

Regulation E (Electronic Fund Transfers) -- final amendments to exempt 

transactions of $15 or less from the requirement that receipts be made available to 

consumers for transactions initiated at electronic terminals (Docket No. R-1270). 

- Approved, June 25, 2007

Subprime Mortgage Lending -- final interagency statement and guidance on issues 

related to certain adjustable-rate mortgages (Docket No. OP-1278). 

- Approved, June 27, 2007

H.2 Board Actions June 24, 2007 to June 30, 2007

(A/C) = Addition or Correction Board - Page 1 of 1
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operational and Payment System

IF International Finance

OSDM Office of Staff Director for Management

June 24, 2007 to June 30, 2007

Bank Branches, Domestic

Citizens Community Bank, South Hill, Virginia -- to establish a branch at 778 Old 

Farm Road South, Roanoke Rapids, North Carolina.

Richmond

- Approved, June 25, 2007

CoBiz Bank, Denver, Colorado -- to establish a branch at 212 Chambers Avenue, 

Eagle.

Kansas City

- Approved, June 26, 2007

The First Bank and Trust Company, Lebanon, Virginia -- to establish a branch at 851 

Lew Dewitt Boulevard, Waynesboro.

Richmond

- Approved, June 25, 2007

First Georgia Community Bank, Jackson, Georgia -- to establish a branch at 361 

Wilson Road, Griffin.

Atlanta

- Approved, June 28, 2007

Hanmi Bank, Los Angeles, California -- to establish a branch at 9300 Wilshire 

Boulevard, Beverly Hills.

San Francisco

- Approved, June 29, 2007

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

HCSB, a state banking association, Plainview, Texas -- to establish a branch at 710 

South Adams, Fredericksburg.

Dallas

- Approved, June 26, 2007

Heritage Bank of Commerce, San Jose, California -- to establish a branch at 101 

Ygnacio Valley Road, Walnut Creek.

San Francisco

- Approved, June 26, 2007

RBC Centura Bank, Raleigh, North Carolina -- to establish a branch at 200 

Providence Road, Charlotte.

Richmond

- Approved, June 26, 2007

SunTrust Bank, Atlanta, Georgia -- to establish branches at 601 Courtland Boulevard, 

Deltona, Florida; 11721 Bonita Beach Road, Southeast, Bonita Springs; and 404 

Johnnie Dodds Boulevard, Mt. Pleasant, South Carolina.

Secretary

- Approved, June 26, 2007

Bank Holding Companies

CapitalSouth Bancorp, Birmingham, Alabama -- to acquire Monticello Bancshares, 

Inc., Jacksonville, Florida, and Monticello Bank; and for CapitalSouth Bank, 

Birmingham, Alabama, to merge with Monticello Bank, Jacksonville, Florida, and 

thereby establish branches.

Atlanta

- Approved, June 29, 2007

H.2 Actions under delegated authority June 24, 2007 to June 30, 2007

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

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

Limited VI -- to acquire shares of High Desert Bank, Bend, Oregon, a de novo 

savings association.

Chicago

- Approved, June 25, 2007

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

Limited VI -- to acquire shares of Issaquah Community Bank, Issaquah, Washington, 

a de novo bank.

Chicago

- Approved, June 27, 2007

First Community Holdings, Santa Rosa, California -- to become a bank holding 

company and to acquire First Community Bank.

San Francisco

- Approved, June 28, 2007

First National Bank of Sauk Centre Retirement Savings & Employee Stock 

Ownership Plan and Trust, Sauk Centre, Minnesota, and Sauk Centre Financial 

Services, Inc. -- to acquire Lake Country State Bank, Long Prairie.

Minneapolis

- Approved, June 29, 2007

Franklin Resources, Inc., San Mateo, California -- to retain shares of The 

BANKshares, Inc., Melbourne, Florida, and thereby retain its subsidiaries, The Bank 

Brevard, and BankFIRST, Winter Park.

San Francisco

- Approved, June 25, 2007

H.2 Actions under delegated authority June 24, 2007 to June 30, 2007

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

FSB Bancshares, Inc., Oklahoma City, Oklahoma -- to become a bank holding 

company and to acquire First Security Bank and Trust Company.

Kansas City

- Approved, June 28, 2007

Machias Bancorp, MHC, Machias, Maine, and Machias Bancorp, Inc. -- to acquire an 

additional interest in M&M Consulting Limited Liability Company, Bangor.

Boston

- Returned, June 25, 2007

MRV Financial Corp, St. Genevieve, Missouri -- to become a bank holding company 

and to acquire MRV Banks, a de novo bank.

St. Louis

- Approved, June 25, 2007

New Horizons Bankshares, Inc., East Ellijay, Georgia -- relief from a commitment.

Atlanta

- Granted, June 28, 2007

Pinnacle Financial Corporation, Elberton, Georgia -- to merge with Georgia Central 

Bancshares, Inc., Social Circle, and thereby acquire Georgia Central Bank.

Atlanta

- Approved, June 25, 2007

H.2 Actions under delegated authority June 24, 2007 to June 30, 2007

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

United Bankshares, Inc., Charleston, West Virginia, and George Mason Bankshares, 

Inc., Fairfax, Virginia -- to acquire Premier Community Bankshares, Inc., 

Winchester, Virginia, and thereby acquire The Marathon Bank; Rockingham 

Heritage Bank, Harrisonburg; and Premier Bank, Inc., Martinsburg, West Virginia.

Richmond

- Approved, June 28, 2007

Bank Mergers

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to merge with Excel Bank 

Minnesota, Minneapolis, Minnesota, and thereby establish branches.

Secretary

- Approved, June 26, 2007

Bank Premises

Farmers Bank, Windsor, Virginia -- to increase its investment in bank premises.

Richmond

- Approved, June 26, 2007

Change In Bank Control

Clearwater Development Co., Inc., Clearwater, Nebraska -- to retain control of 

Clearwater Development Co., Inc.

Kansas City

- Permitted, June 25, 2007

Commerce Bancorp, Inc., Greenwood, Mississippi -- to retain control of Commerce 

Bancorp, Inc.

St. Louis

- Permitted, June 28, 2007

H.2 Actions under delegated authority June 24, 2007 to June 30, 2007

(A/C) = Addition or Correction Delegated - 5 of 7
Change In Bank Control

Northumberland Bancorp, Northumberland, Pennsylvania -- change in bank control.

Philadelphia

- Permitted, June 26, 2007

Extensions Of Time

American Heritage Bank, Sapulpa, Oklahoma -- extension to September 28, 2007, to 

establish a branch at the intersection of 71st Street South and South Union Avenue, 

Tulsa.

Kansas City

- Granted, June 28, 2007

Assabet Valley Bancorp, Hudson, Massachusetts -- extension to September 27, 2007, 

to acquire Westborough Bancorp, M.H.C., Westborough, Westborough Financial 

Services, Inc., and The Westborough Bank.

Boston

- Granted, June 27, 2007

Bank of America Corporation, Charlotte, North Carolina -- extension to September 

27, 2007, to acquire U.S. Trust Corporation, New York, New York, and thereby 

acquire United States Trust Company, National Association.

Richmond

- Granted, June 27, 2007

Financial Holding Companies 

TD US P & C Holding ULC, Calgary, Canada -- election to become a financial 

holding company.

New York

- Effective, June 29, 2007

H.2 Actions under delegated authority June 24, 2007 to June 30, 2007

(A/C) = Addition or Correction Delegated - 6 of 7
Membership

Citizens Bank of Jessamine County, Nicholasville, Kentucky -- to retain membership 

in the Federal Reserve System on conversion from a national to a state charter.

Cleveland

- Approved, June 27, 2007

Reliant Bank, Brentwood, Tennessee -- to become a member of the Federal Reserve 

System.

Atlanta

- Approved, June 28, 2007

Southwest Bank, Fort Worth, Texas -- to become a member of the Federal Reserve 

System.

Dallas

- Approved, June 26, 2007

H.2 Actions under delegated authority June 24, 2007 to June 30, 2007

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

Federal Reserve Bank of Boston

Filings received during the week ending June 30, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

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

Financial Holdings, Inc., Boston, MA to

acquire a 10% additional interest in Bingham,

Osborn & Scarborough LLC, San Francisco,

CA.

BOSTON PRIVATE

FINANCIAL HOLDINGS, INC.

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

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 Not available

Application by the Royal Bank of Scotland

Group, plc, Edinburgh, Scotland, Fortis N.V.,

Utrecht, Netherlands, Fortis SA/NV, Brussels,

Belgium, Banco Santander Central Hispano,

S.A., Madrid, Spain, and RFS Holdings B.V.,

Amsterdam, Netherlands, to control ABN

AMRO Holding N.V., Amsterdam,

Netherlands, and thereby indirectly acquire: (i)

LaSalle Bank National Association, Chicago,

Illinois, and LaSalle Bank Midwest National

Association, Troy, Michigan, pursuant to

section 3(a)(1) and 3(a)(3) of the Bank Holding

Company Act of 1956, as amended, and (ii)

Standard Federal International LLC, and

LaSalle Trade Services Corporation, both of

Chicago, Illinois, pursuant to section 211.5 of

Regulation K. The application also requests

financial holding company status for Santander

Holanda B.V., Delft, Netherlands, Fortis Bank

Nederland (Holding) N.V., Utrecht,

Netherlands, and RFS Holdings B.V.,

Amsterdam, Netherlands, pursuant to section

225.82(f) of Regulation Y.

ROYAL BANK OF SCOTLAND

GROUP PLC, 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 30, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

07/30/2007

The Adirondack Trust Company Employee

Stock Ownership Trust, Saratoga Springs, New

York, to acquire fifty additional shares of 473

Broadway Holding Corporation and to acquire

one thousand additional shares of The

Adirondack Trust Company, Saratoga Springs,

New York, pursuant to Section 3(a)(3) of the

Bank Holding Company Act of 1956, as

amended.

ADIRONDACK TRUST

COMPANY EMPLOYEE

STOCK OWNERSHIP TRUST,

THE

Newspaper:

Federal Register:

* 3A1

Not available

Final application by CheckSpring Community 07/30/2007

Corporation, Bronx, New York, for prior

approval of the Board of Governors of the

Federal Reserve System, pursuant to Section

3(a)(1) of the Bank Holding Company Act of

1956, as amended, to become a bank holding

company through the acquisition of all the

voting shares of CheckSpring Bank (in

organization), a proposed de novo New York

State chartered commercial bank.

CHECKSPRING COMMUNITY

CORPORATION

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Corpbanca Chile, Santiago, Chile, to establish

a federal branch in New York, New York,

pursuant to Section 7(d) of the International

Banking Act of 1978, as amended, and Section

211.24(a) of Regulation K.

CORP BANCA CHILE

Newspaper:

Federal Register:

* 3A1 Not available

07/24/2007

First Hope Bancorp, Hope, New Jersey, to

become an one-bank holding company,

pursuant to Section 3(a)(1) of the BHC Act,

and Section 225.15 of Regulation Y, by

acquiring First Hope Bank, Hope, New Jersey.

FIRST HOPE BANCORP

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Landsbanki Islands hf., Reykjavik, Iceland, to

establish a branch in New York, New York,

pursuant to Section 7(d) of the International

Banking Act

LANDSBANKI ISLANDS HF

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Texas State Bank, McAllen, Texas, requests to

establish three branch offices located at (i)

1319 N. 10th Street, McAllen, Texas, (ii) 6414

McPherson, Suite 2, Laredo, Texas and (iii)

1100 NW Loop 410, Suite 102, San Antonia,

Texas.

TEXAS STATE BANK

* 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

414102 ALDEN ST BK, ALDEN, NEW YORK 12/04/2006 05/31/2007 S Small Bank

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 30, 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 30, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 07/08/2007

06/29/2007

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

* 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 June 30, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 07/02/2007

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:

Investment Not applicable

Not applicable

FIA Card Services, N.A., Wilmington,

Delaware, to make an investment in a

subsidiary.

FIA CARD SERVICES, N.A.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

HarVest Bancorp, Inc., Rockville, Maryland, to

become a bank holding company by acquiring

100% of the voting shares of HarVest Bank of

Maryland, Rockville, Maryland.

HARVEST BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Raleigh, North Carolina, 07/11/2007

proposes to establish a branch at 10360 Royal

Palm Boulevard, Coral Springs, Florida.

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

821120 BANK OF THE COMMONWEALTH, NORFOLK, VIRGINIA 02/12/2007 05/16/2007 S Int Sm Bank

713926 FARMERS & MERCHANTS BK, TIMBERVILLE, VIRGINIA 07/24/2006 05/16/2007 S Int Sm Bank

368429 NBRS FNCL, RISING SUN, MARYLAND 02/05/2007 05/15/2007 S Small Bank

3419416 SECURITY ONE BK, BAILEYS CROSSROADS, VIRGINIA 03/19/2007 05/27/2007 S Small Bank

13037 TRADERS BK, SPENCER, WEST VIRGINIA 10/23/2006 05/14/2007 S Small Bank

365325 UNITED BK, FAIRFAX, VIRGINIA 11/27/2006 06/06/2007 S Large Bank

1010930 UNITED BK, PARKERSBURG, WEST VIRGINIA 11/27/2006 06/11/2007 S Large Bank

3390702 VIRGINIA BUS BK, RICHMOND, VIRGINIA 03/05/2007 06/06/2007 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 June 30, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 07/23/2007

07/23/2007

BancTrust Financial Group, Mobile, Alabama,

to merge with Peoples BancTrust Company,

Inc., and thereby acquire its subsidiary, Peoples

Bank & Trust Company, both of Selma,

Alabama.

BANCTRUST FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

* 3A5 07/23/2007

07/26/2007

Florida Bank Group, Inc., Tampa, Florida

(formerly FBG Holding Company), to merge

with Cygnet Financial Corporation, and

thereby acquire Cygnet Private Bank, both of

Ponte Vedra, Florida.

FLORIDA BANK GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Overton Financial Services, Inc., Livingston,

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

in control notices filed by the following: (1) the

Jack Windle Irrevocable Life Insurance Trust,

Livingston, Tennessee, through its co-Trustees,

Joyce Dodson Windle, Livingston, Tennessee;

and John D. Copeland, Chattanooga,

Tennessee; to retain 29.18 percent of the

outstanding shares of BHC, and its subsidiary,

Union Bank and Trust Company, Livingston,

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

under the Last Will and Testament of Jack

Allen Windle, Livingston, Tennessee, through

its co-Trustees, Joyce Dodson Windle,

Livingston, Tennessee; John D. Copeland,

Chattanooga, Tennessee; and Thomas Alfred

Windle, Cookeville, Tennessee; to retain 28.94

percent of the outstanding shares of BHC and

Bank; and (3) the Tennessee Qualified

Terminable Interest Trust under the Last Will

and Testament of Jack Allen Windle, through

its co-Trustees, Joyce Dodson Windle,

Livingston, Tennessee; John D. Copeland,

Chattanooga, Tennessee; and Thomas Alfred

Windle, Cookeville, Tennessee; to retain 27.82

percent of the outstanding shares of BHC and

Bank.

OVERTON FINANCIAL

SERVICES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 07/10/2007

establish branches at the following locations:

7515 SW 24th Avenue, Gainesville, Florida, to

be known as the Tower Road Branch; and

5570 Windward Parkway, Alpharetta, Georgia,

to be known as the Windward Parkway

Branch.

REGIONS 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 30, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Community Bank, Austin, Austin, Minnesota,

to purchase three offices from Associated

Bank, National Association, Green Bay,

Wisconsin, and thereby to establish three

branches.

COMMUNITY BANK, AUSTIN

Newspaper:

Federal Register:

* 3A1 Not available

07/25/2007

First Michigan Bancorp, Inc., Troy, Michigan,

to become a bank holding company by

acquiring 100 percent of the voting shares of

First Michigan Bank (in organization), Troy,

Michigan.

FIRST MICHIGAN BANCORP,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 07/13/2007

Inland Bancorp Holding Company, Oak Brook,

Illinois, to indirectly acquire 100 percent of the

voting shares of Amerimark Financial

Corporation, Countryside, Illinois, and thereby

indirectly acquire Amerimark Bank, Villa

Park, Illinois, and by Inland Financial

Acquisitions, Inc., Oak Brook, Illinois, to

become a bank holding company by directly

acquiring 100 percent of the voting shares of

Amerimark Financial Corporation,

Countryside, Illinois, and thereby indirectly

acquire Amerimark Bank, Villa Park, Illinois.

INLAND BANCORP HOLDING

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 06/05/2007

Wisconsin, to establish two branch facilities to

be located at 1201 S. Second Street,

Milwaukee, Wisconsin, and Lake Street and

Clinton avenue, Minneapolis, Minnesota.

M&I MARSHALL & ILSLEY

BANK

Newspaper:

Federal Register:

* 3A3 07/23/2007

07/26/2007

Metropolitan Bank Group, Inc., Chicago,

Illinois, Alpha Bancorp, Inc., Chicago, Illinois,

Metropolitan Bancorp, Inc., Chicago, Illinois,

and Plaza Bancorp, Inc., Chicago, Illinois, to

acquire 100 percent of the voting shares of

Oswego Bancshares, Inc., Oswego, Illinois,

and thereby indirectly acquire Oswego

Community Bank, Oswego, Illinois.

METROPOLITAN BANK

GROUP, 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

123646 SALIN B&TC, INDIANAPOLIS, INDIANA 12/04/2006 06/11/2007 S Int Sm 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 30, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 07/03/2007

07/16/2007

Notice by ANB Financial N.A. Employee

Stock Ownership Plan, Rogers, Arkansas, and

its trustees, Debra G. Jackson, Gentry,

Arkansas; Gregory D. Landis, Centerton,

Arkansas; and Charles H. Brannan, Rogers,

Arkansas, to retain control of ANB

Bancshares, Inc., Rogers, Arkansas.

ANB BANCSHARES, INC

Newspaper:

Federal Register:

* Branch

Not applicable

The Bank of Jackson, Jackson, Tennessee, to 05/14/2007

establish a new main office to be located at 420

Oil Well Road, Jackson, Tennessee. The

existing main office located at 558 Carriage

House Drive, Jackson, Tennessee, will become

a branch facility.

BANK OF JACKSON, THE

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

BTBS, Inc., Collierville, Tennessee, to become

a bank holding company by acquiring 100

percent of BankTennessee, Collierville,

Tennessee.

BTBS, INC.

Newspaper:

Federal Register:

* 3A3

Not available

Central Bancompany, Inc., Jefferson City, 08/01/2007

Missouri, to acquire 100 percent of Metcalf

Bancshares, Inc., Overland Park, Kansas, and

thereby indirectly acquire Metacalf Bank,

Overland Park, Kansas.

CENTRAL BANCOMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

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

establish a branch facility to be located at 351

Highway 11 North, Picayune, Mississippi.

DELTA SOUTHERN BANK

Newspaper:

Federal Register:

CIC 06/15/2007

07/17/2007

Notice by Bennie F. Ryburn, Jr., and Bennie F.

Ryburn III, as trustees of the Bennie F. Ryburn

Family Trust, all of Monticello, Arkansas, to

retain control of Drew Bancshares, Inc.,

Monticello, Arkansas.

DREW BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 07/30/2007

07/25/2007

Porter Bancorp, Inc., Louisville, Kentucky, to

acquire 100 percent of Ohio County

Bancshares, Inc., Beaver Dam, Kentucky, and

thereby indirectly acquire Kentucky Trust

Bank, Beaver Dam, Kentucky.

PORTER BANCORP, INC.

Newspaper:

Federal Register:

CIC 07/18/2007

07/17/2007

Notice by James K. Maddox Irrevocable Trust,

with James K. Maddox as trustee, both of

Clarkton, Missouri, to gain control of Sterling

Bancshares, Inc., Poplar Bluff, Missouri.

Notice is also provided by James K. Maddox,

the James K. Maddox Irrevocable Trust, John

W. Maddox, Candi H. Maddox, J. Jason

Maddox, and Maco Construction, Inc., all of

Clarkton, Missouri, as a group acting in

concert to gain control of Sterling Bancshares,

Inc.

STERLING BANCSHARES,

INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

831576 BANKTENNESSEE, COLLIERVILLE, TENNESSEE 02/26/2007 06/19/2007 S Small Bank

894245 MAINSTREET BK, ASHLAND, MISSOURI 03/05/2007 06/20/2007 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 June 30, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/01/2007

07/05/2007

Notice by William Sexton, Incline Village,

Nevada, as an individual, and as part of a

group acting in concert with Kevin Noble,

Minnetonka, Minnesota, Brian Schoenborn,

Saint Joseph, Minnesota, and Jason Noble,

Clara City, Minnesota, to acquire control of

Kensington Bancorp, Inc., Kensington,

Minnesota and thereby indirectly acquire

control of First State Bank of Kensington,

Kensington, Minnesota.

KENSINGTON BANCORP.,

INC.

Newspaper:

Federal Register:

* 3A5 Not available

07/09/2007

Merchants Financial Group, Inc., Winona,

Minnesota, to acquire 100 percent of Jerema,

Inc., Cannon Falls, Minnesota, and thereby

indirectly acquire The First National Bank in

Cannon Falls, Cannon Falls, Minnesota.

MERCHANTS FINANCIAL

GROUP, 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

21359 AMERICAN ST BK OF GRYGLA, GRYGLA, MINNESOTA 03/06/2007 06/20/2007 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 June 30, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 06/11/2007

07/12/2007

Notice by Brandon J. Berkley, Denver,

Colorado; Cara D. Berkley, Overland Park,

Kansas; and Claudia D. Berkley, Downs,

Kansas; to retain ownership of B Bank, Inc.,

parent of State Bank of Downs, both in Downs,

Kansas, as members of the Berkley family

group.

B BANK, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

BSB Bancshares, Inc., Lincoln, Nebraska, to

become a bank holding company through the

acquisition of 100 percent of the voting shares

of Brunswick Bancshares, Inc., Brunswick,

Nebraska, parent of Brunswick State Bank,

Brunswick, Nebraska.

BSB BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First State Bank, Lincoln, Nebraska, to merge

with Saline State Bank, Wilber, Nebraska, and

incident thereto, to establish a branch.

FIRST STATE BANK

Newspaper:

Federal Register:

* 3A1 07/22/2007

07/24/2007

Solera National Bancorp, Inc. to become a

bank holding company through the acquisition

of 100 percent of the voting shares of Solera

National Bank (in organization), both in

Lakewood, Colorado.

SOLERA NATIONAL

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

815754 BANK OF CHEROKEE CTY, HULBERT, OKLAHOMA 03/19/2007 06/18/2007 S Small Bank

468655 CITIZENS BK, VELMA, OKLAHOMA 03/26/2007 06/27/2007 S Small Bank

41553 FIRST ST BK, ANADARKO, OKLAHOMA 03/19/2007 06/15/2007 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 30, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

LegacyTexas Bank, Plano, Texas, to establish a

branch to be located at 15601 Dallas Parkway,

Suite 150, Addison, Texas 75001.

LEGACYTEXAS BANK

Newspaper:

Federal Register:

* 3A1 Not available

07/30/2007

Providence Bancshares Corporation,

Southlake, Texas, to become a bank holding

company by acquiring 100 percent of

Providence Bank of Texas, Southlake, Texas

(in organization).

PROVIDENCE BANCSHARES

CORPORATION

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

552657 FIRST B&TC, DAWSON, TEXAS 03/12/2007 06/13/2007 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 30, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

County Bank, Merced, California, to establish 06/27/2007

a branch facility at McLane High School, 2727

North Cedar, Fresno, California.

COUNTY BANK

Newspaper:

Federal Register:

* 3A1 Not available

07/16/2007

WCB Holdings, Inc., to become a bank holding

company by acquiring 100 percent of Western

Commercial Bank, both of Woodland Hills,

California.

WCB HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A3 07/21/2007

07/23/2007

Wells Fargo & Company, San Francisco,

California, to aquire 100 percent of Greater

Bay Bancorp, East Palo Alto, California, and

thereby indirectly acquire its subsidiary,

Greater Bay Bank, N.A., Palo Alto, California.

WELLS FARGO & COMPANY

* 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