Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 8

Week Ending February 24, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions February 18, 2007 to February 24, 2007

Enforcement

Civitas BankGroup, Inc., Franklin, Tennessee -- issuance of a consent order of 

prohibition against Seresa T. Morgan, a former institution-affiliated party.

- Announced, February 23, 2007 

Regulations And Policies

Large-Bank Deposit Insurance Determination -- Board comment letter on the 

Federal Deposit Insurance Corporation's proposal to improve the process for 

determining the insured status of deposits at large banks.

- Approved, February 23, 2007 

(AC) = Addition or Correction Board - Page 1 of 1
February 18, 2007 to February 24, 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 

1861 South San Jacinto Avenue, San Jacinto, California.

- Approved, February 21, 2007 

New York

Banco Popular North America, New York, New York -- to establish a branch at 310 

East Houston Street.

- Approved, February 21, 2007 

New York

Riverside Bank of the Gulf Coast, Cape Coral, Florida -- to establish a branch at 

5247 Golden Gate Parkway, Naples.

- Approved, February 23, 2007 

Atlanta

Sky Bank, Salineville, Ohio -- to establish a branch at Colts Complex Financial 

Center, 7001 West 56th Street, Indianapolis, Indiana.

- Approved, February 23, 2007 

Cleveland

SunTrust Bank, Atlanta, Georgia -- to establish branches at 8001 U.S. Highway 19 

North, Pinellas Park, Florida, and 4928 State Road 674, Wimauma.

- Approved, February 22, 2007 

Secretary

Virginia Commerce Bank, Arlington, Virginia -- to establish a branch at Dulles 606 

Retail Center, 23510 Overland Drive, Dulles.

- Approved, February 23, 2007 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority February 18, 2007 to February 24, 2007

Bank Holding Companies

Bangor Bancorp, MHC, Bangor, Maine -- to become a bank holding company in 

connection with the reorganization of Bangor Savings Bank into a mutual bank 

holding company structure.

- Approved, February 20, 2007 

Boston

Citizens and Northern Corporation, Wellsboro, Pennsylvania -- waiver of 

application to acquire Citizens Bancorp, Inc., Coudersport, in connection with the 

merger of Citizens Trust Company with Citizens and Northern Bank, Wellsboro.

- Granted, February 22, 2007 

Philadelphia

Country Bank Shares, Inc., Milford, Nebraska -- to acquire Mid-Nebraska 

Company, Inc., Kearney, and Kearney State Bank and Trust Company.

- Approved, February 21, 2007 

Kansas City

Family Bancorp, Inc., San Antonio, Texas -- to become a bank holding company 

and to acquire The First National Bank of Refugio, Refugio.

- Approved, February 22, 2007 

Dallas

Farmers and Drovers Financial Corp, Council Grove, Kansas -- to become a bank 

holding company and to acquire Farmers and Drovers Bank.

- Withdrawn, February 21, 2007 

Kansas City

First Wyoming Bancorporation, Laramie, Wyoming -- to become a bank holding 

company and to acquire Wyoming State Bank.

- Approved, February 23, 2007 

Kansas City

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

- Granted, February 16, 2007 (AC)

Director, BS&R

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority February 18, 2007 to February 24, 2007

Bank Holding Companies

Heritage Bancorp, Inc., Mason, Tennessee -- to become a bank holding company 

and to acquire 50 percent of the shares of Fayette Bancorp, Inc. and thereby acquire 

Mason Bancorp, Inc. and Bank of Mason.

- Approved, February 23, 2007 

St. Louis

New York Community Bancorp, Inc., Westbury, New York -- waiver of application 

in connection with the merger of PennFed Financial Services, Inc., West Orange, 

New Jersey.

- Granted, February 22, 2007 

New York

Park National Corporation, Newark, Ohio -- to merge with Vision Bancshares, Inc., 

Panama City, Florida, and thereby acquire Vision Bank, Panama City, and Vision 

Bank, Gulf Shores, Alabama.

- Approved, February 21, 2007 

Secretary

Regions Financial Corporation, Birmingham, Alabama -- modification of a 

commitment.

- Granted, February 23, 2007 

Director, BS&R

Western Alliance Bancorporation, Las Vegas, Nevada -- to merge with First 

Independent Capital of Nevada, Reno, and thereby acquire its subsidiary, First 

Independent Bank of Nevada.

- Approved, February 23, 2007 

San Francisco

Bank Premises

Citizens Bank and Trust Company, Blackstone, Virginia -- to increase its 

investment in bank premises.

- Approved, February 21, 2007 

Richmond

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority February 18, 2007 to February 24, 2007

Change In Bank Control

First State Bancorporation of Watonga, Inc., Watonga, Oklahoma -- change in bank 

control.

- Permitted, February 23, 2007 

Kansas City

FirstBank Holding Company, Lakewood, Colorado -- to retain control of FirstBank 

Holding Company.

- Permitted, February 21, 2007 

Kansas City

Reeves Bancshares, Inc., Gould, Oklahoma -- change in bank control.

- Permitted, February 20, 2007 

Kansas City

Extensions Of Time

Community Bancshares of Mississippi, Inc. Employee Stock Ownership Plan, 

Brandon, Mississippi -- extension to May 21, 2007, to acquire additional shares, to a 

maximum of 20.96 percent, of Community Bancshares of Mississippi, Inc. and 

thereby acquire its subsidiaries, Community Bank of Amory, Amory; Community 

Bank of Mississippi, Forest; Community Bank, Meridian, Meridian; Community 

Bank, Ellisville, Mississippi, Ellisville; Community Bank, Coast, Biloxi; 

Community Bank, National Association, Memphis, Tennessee; First Lucedale 

Bancorp, Inc., Lucedale, Mississippi; and Community Bank, National Association.

- Granted, February 21, 2007 

Atlanta

First California Financial Group, Los Angeles, California -- extension to May 27, 

2007, to become a bank holding company and to acquire National Mercantile 

Bancorp, Los Angeles, and its subsidiaries, Mercantile National Bank and South 

Bay Bank, N.A., Torrance; and to merge with FCB Bancorp, Camarillo, and thereby 

acquire its subsidiary, First California Bank.

- Granted, February 22, 2007 

San Francisco

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority February 18, 2007 to February 24, 2007

Extensions Of Time

Orion Bancorporation, Inc., Orion, Illinois -- extension to June 21, 2007, to acquire 

First Mid-America Bancorp, Inc., Annawan, and State Bank of Annawan.

- Granted, February 23, 2007 

Chicago

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on January 30-31, 2007.

- Published, February 21, 2007 

FOMC

(AC) = Addition or Correction Delegated - Page 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending February 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

* 3A3 Not available

Butler Bancorp, MHC and Butler Bancorp,

Inc., both of Lowell, Massachusetts, to acquire

Marlborough Bancorp, MHC and its subsidiary

bank, Marlborough Co-operative Bank, both of

Marlborough, Massachusetts, pursuant to

sections 3(a)(3) and 3(a)(5) of the Bank

Holding Company Act of 1956, as amended.

BUTLER BANCORP, MHC

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

* 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 Second Quarter of 2007 (April 1, 2007 - June 30, 2007)

Institution Location

* Subject to the provisions of the Community Reinvestment Act
District: 2

Federal Reserve Bank of New York

Filings received during the week ending February 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

03/23/2007

Amboy Bancorporation Employee Stock

Ownership Plan requests approval to become a

bank holding company, pursuant to Section

3(a)(1) of the BHC Act of 1956 and Section

225.15 of Regulation Y, by acquiring common

stock of Amboy Bancorporation, both of Old

Bridge, New Jersey.

AMBOY BANCORPORATION

EMPLOYEE STOCK

OWNERSHIP PLAN

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Chemung Canal Trust Company, Elmira, New

York, pursuant to Section 18(c) of the Federal

Deposit Insurance Act for prior approval of the

Board of Governors of the Federal Reserve

System (the ?Board?), to merge with Partners

Interim Bank, a wholly-owned subsidiary of

Partners Trust Bank (?Partners Trust?), both of

Utica, New York, and thereby acquire certain

trust accounts from Partners Trust.

CHEMUNG CANAL TRUST

COMPANY

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

China Merchants Bank Co., Ltd.,Shenzhen,

Peoples Republic of China is applying to

establish a branch, under Section 211.24(a)(1)

of Regulation K, in New York.

CHINA MERCHANTS BANK

CO. LTD.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

30 days prior notice by Citibank, N.A., Las

Vegas, Nevada, on behalf of its Edge

corporation subsidiary, Citibank Overseas

Investment Corporation, New Castle,

Delaware, under Section 25A of the Federal

Reserve Act and Section 211.9(f) of Regulation

K, to acquire Egg Banking plc ("Egg"),

London, United Kingdom, that is not eligible

for the general consent provision of Regulation

K 211.9(b)(2) and an application for the

Board's specific consent to waive the amount of

this acquisition of and additional investment in

Egg from the aggregate investment limit of

211.9(b)(6)(i) of Regulation K.

CITIBANK, N.A.

* 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 Second Quarter of 2007 (April 1, 2007 - June 30, 2007)

Institution Location

ADIRONDACK TC SARATOGA SPRINGS, NEW YORK

BANK OF NY NEW YORK, NEW YORK

FIVE STAR BK WARSAW, NEW YORK

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending February 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

HNB Bancorp, Inc, Halifax, PA, to form a

bank holding company by acquiring 100% of

the voting shares of Halifax National Bank,

Halifax, PA.

HNB BANCORP INC

* 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 Second Quarter of 2007 (April 1, 2007 - June 30, 2007)

Institution Location

COMMUNITY B&TC CLARKS SUMMIT, PENNSYLVANIA

OMEGA BK STATE COLLEGE, PENNSYLVANIA

WILMINGTON TR OF PA VILLANOVA, PENNSYLVANIA

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

Federal Reserve Bank of Cleveland

Filings received during the week ending February 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 02/20/2007

establish a branch at 2100 West Stadium

Boulevard, Ann Arbor, MI.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 02/20/2007

establish a branch at 1833 Coolidge Highway,

Berkley, MI.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 02/20/2007

establish a branch at 19111 Telegraph Road,

Detroit, MI.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 02/20/2007

establish a branch at 3927 West Eight Mile

Road, Detroit, MI.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 02/20/2007

branch at 28953 Euclid Avenue, Wickliffe,

OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 02/20/2007

branch at 8028 North Dixie Drive, Dayton,

OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 02/20/2007

branch at 10150 West Sprague Road, Parma,

OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 02/20/2007

branch at 972 East 185th Street, Cleveland,

OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 02/20/2007

branch at 1010 Old DIley Road, Pickerington,

OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 02/20/2007

branch at 972 East 185th Street, Cleveland,

OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 02/20/2007

branch at 1616 West 117th Street, Lakewood,

OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Request by Somerset TC for additional

investment in premises

SOMERSET TRUST COMPANY

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Application by The State Bank and Trust

Company, Defiance, OH to merge with The

Exchange Bank, Luckey, OH pursuant to

Section 18(c) of the Federal Deposit Insurance

Act.

STATE BANK AND TRUST

COMPANY, THE

* 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 Second Quarter of 2007 (April 1, 2007 - June 30, 2007)

Institution Location

COMMERCIAL & SVG BK MILLERSBURG, OHIO

WHITAKER BK LEXINGTON, KENTUCKY

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

Federal Reserve Bank of Richmond

Filings received during the week ending February 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Raleigh, North Carolina, 02/28/2007

to establish a branch at 1321 Heathrow Center

Lane, Lake Mary, 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

NONE

CRA Examinations scheduled for Second Quarter of 2007 (April 1, 2007 - June 30, 2007)

Institution Location

ALLIANCE BK CORP FAIRFAX, VIRGINIA

AMERICASBANK TOWSON, MARYLAND

ANNAPOLIS BKG&TC ANNAPOLIS, MARYLAND

BANK OF MARION MARION, VIRGINIA

BANK OF ROMNEY ROMNEY, WEST VIRGINIA

CHESAPEAKE BK KILMARNOCK, VIRGINIA

FARMERS & MINERS BK PENNINGTON GAP, VIRGINIA

MARATHON BK WINCHESTER, VIRGINIA

NORTHERN NECK ST BK WARSAW, VIRGINIA

PEOPLES BK OF VA RICHMOND, VIRGINIA

SUSQUEHANNA BK HAGERSTOWN, MARYLAND

VALLEY BK ROANOKE, VIRGINIA

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

Federal Reserve Bank of Atlanta

Filings received during the week ending February 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 03/19/2007

03/23/2007

American United Bancorp, Inc., to become a

bank holding company by acquiring 100

percent of the outstanding shares of American

United Bank, both of Lawrenceville, Georgia.

AMERICAN UNITED

BANCORP, INC.

Newspaper:

Federal Register:

* 4c8 03/08/2007

02/28/2007

Appalachian Bancshares, Inc., Ellijay,

Georgia, acquire Appalachian Community

Bank, F.S.B., McCaysville, Georgia, and

thereby engage de novo in operating a savings

association.

APPALACHIAN

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Banco de Sabadell, S.A., Sabadell, Spain, to

become a bank holding company by acquiring

100 percent of the outstanding shares of

TransAtlantic Holding Corp., and thereby

acquire its subsidiary, TransAtlantic Bank,

both of Miami, Florida.

BANCO DE SABADELL, S.A.

Newspaper:

Federal Register:

* 3A1 03/11/2007

03/09/2007

BankCap Partners Fund I, L.P., BCP Fund I

Southeast Holdings, LLC, BankCap Equity

Fund, LLC, and BankCap Partners GP, L.P.,

all of Dallas, Texas, to become a multi-bank

holding company structure by acquiring 49.9

percent of the outstanding shares of Atlantic

Capital Bancshares, Inc., and thereby

indirectly acquiring voting shares of Atlantic

Capital Bank (in organization), both of

Atlanta, Georgia.

BANKCAP PARTNERS FUND I,

L.P.

Newspaper:

Federal Register:

* 3A1

Not available

Calusa Financial Corporation, Punta Gorda, 03/21/2007

Florida, to become a bank holding company by

acquiring 100 percent of the outstanding shares

of Calusa National Bank, Punta Gorda, Florida

(in organization).

CALUSA FINANCIAL

CORPORATION, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Commerce Union Bank, Springfield, 03/05/2007

Tennessee, to establish a mobile branch to

serve Sumner, Wilson and Robertson counties

in Tennessee.

COMMERCE UNION BANK

Newspaper:

Federal Register:

* 3A3 03/13/2007

03/09/2007

FMCB Holdings, Inc., Senoia, Georgia, to

acquire 100 percent of the outstanding shares

of First Choice Community Bank, Dallas,

Georgia (in organization).

FMCB HOLDINGS, INC.

Newspaper:

Federal Register:

CIC Not available

03/08/2007

NBOG Bancorporation, Inc., Gainesville,

Georgia, prior change in control filed by

William R. Blanton, Alpharetta, Georgia, to

acquire 54.7 percent of the outstanding shares

of National Bank of Gainesville, Gainesville,

Georgia.

NBOG BANCORPORATION,

INC.

Newspaper:

Federal Register:

* 3A5 Not available

Not available

United Community Banks, Inc., Blairsville,

Georgia, to merge with Gwinnett Commercial

Group, Inc. and thereby acquire its subsidiary,

First Bank of South, both of Lawrenceville,

Georgia.

UNITED COMMUNITY

BANKS, INC.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

680130 CITIZENS TR BK, ATLANTA, GEORGIA 10/16/2006 02/15/2007 O Int Sm Bank

CRA Examinations scheduled for Second Quarter of 2007 (April 1, 2007 - June 30, 2007)

Institution Location

BANK OF DADEVILLE DADEVILLE, ALABAMA

IBERIABANK LAFAYETTE, LOUISIANA

OLD SOUTHERN BK CLERMONT, FLORIDA

PEOPLES B&TC SELMA, ALABAMA

RIVERSIDE BK OF CENT FL WINTER PARK, FLORIDA

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

Federal Reserve Bank of Chicago

Filings received during the week ending February 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

03/23/2007

Associated Banc-Corp., Green Bay, Wisconsin,

to acquire 100 percent of the voting shares of

First National Bank of Hudson, Woodbury,

Minnesota.

ASSOCIATED BANC-CORP

Newspaper:

Federal Register:

* 3A3 Not available

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:

* 18C

* Branch Not applicable

Citizens Bank, Flint, Michigan, to merge with 03/09/2007

Republic Bank, Lansing, Michigan, and

thereby to establish branches.

CITIZENS BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

four branch facilities to be located at: 2000

Avenue of the Stars, Los Angeles, California,

1802 Garnet Avenue, San Diego, California,

370 Green Road, Houston, Texas, and 6412

San Felipe Street, Houston, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 Not available

03/22/2007

Community State Bank Employee Stock

Ownership Plan and Trust, Union Grove,

Wisconsin, to increase its ownership of Union

Bancorporation, Inc., Union Grove, Wisconsin,

to 35.52 percent of the voting shares, and

thereby increase its indirect ownership of

Community State Bank, Union Grove,

Wisconsin.

COMMUNITY STATE BANK

EMPLOYEE STOCK

OWNERSHIP PLAN AND

TRUST

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

* 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

923743 GREEN LAKE ST BK, GREEN LAKE, WISCONSIN 11/13/2006 02/16/2007 S Small Bank

2142155 QUAD CTY B&TC, BETTENDORF, IOWA 10/23/2006 02/14/2007 S Int Sm Bank

CRA Examinations scheduled for Second Quarter of 2007 (April 1, 2007 - June 30, 2007)

Institution Location

BLISSFIELD ST BK BLISSFIELD, MICHIGAN

CENTRAL BK STORM LAKE, IOWA

CENTRAL ST BK MUSCATINE, IOWA

CITIZENS FIRST ST BK OF WALNUT WALNUT, ILLINOIS

COMMUNITY BK ELMHURST ELMHURST, ILLINOIS

FARMERS & MECHANICS BK GALESBURG, ILLINOIS

FARMERS ST BK LAKE VIEW, IOWA

FIRST B&T EVANSTON, ILLINOIS

HINSBROOK B&T WILLOWBROOK, ILLINOIS

HINSDALE B&TC HINSDALE, ILLINOIS

HURON CMNTY BK EAST TAWAS, MICHIGAN

IOWA ST SVG BK KNOXVILLE, IOWA

ISABELLA B&T MOUNT PLEASANT, MICHIGAN

LINDEN ST BK LINDEN, INDIANA

PRAIRIE B&TC BRIDGEVIEW, ILLINOIS

SECURITY SVG BK EAGLE GROVE, IOWA

STATE BK OF BLUE MOUND BLUE MOUND, ILLINOIS

UNIONBANK STREATOR, ILLINOIS

WARREN BK WARREN, MICHIGAN

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

Federal Reserve Bank of St. Louis

Filings received during the week ending February 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Bank of Hillsboro, Hillsboro, Missouri, to

increase its investment in bank premises for a

total investment of $1.0 million, representing

417 percent of capital stock and surplus.

BANK OF HILLSBORO

Newspaper:

Federal Register:

* 3A1 Not available

03/26/2007

Cedar Bancorp, Inc., Mt. Vernon, Illinois, to

become a bank holding company by acquiring

100 percent of Jeff City Bancorp, Inc., Mt.

Vernon, Illinois, and thereby indirectly acquire

First National Bank of Mount Vernon, Mt.

Vernon, Illinois.

Cedar Bancorp, Inc.

Newspaper:

Federal Register:

* 3A3 03/26/2007

03/23/2007

Central Bancompany, Inc., Jefferson City,

Missouri, to acquire 100 percent of Gardner

Bancorp, Inc., Gardner, Kansas, and thereby

indirectly acquire First Kansas Bank and Trust

Company, Gardner, Kansas.

CENTRAL BANCOMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, St. Louis, Missouri, to establish a 03/02/2007

branch facility to be located at 17000 Ventura

Boulevard, Suite 103, Encino, California.

FIRST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, St. Louis, Missouri, to establish a 03/09/2007

branch facility to be located at 804 West

Highway 50, O'Fallon, Illinois.

FIRST BANK

Newspaper:

Federal Register:

* 3A1 03/29/2007

03/26/2007

Freedom Bancorp, Huntingburg, Indiana, to

become a bank holding company by acquiring

100 percent of Freedom Bank, Huntingburg,

Indiana.

FREEDOM BANCORP

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Second Quarter of 2007 (April 1, 2007 - June 30, 2007)

Institution Location

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending February 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

03/16/2007

Citizens Bancorp, Inc., Cadott, Wisconsin, to

become a bank holding company by acquiring

100 percent of Citizens State Bank, Cadott,

Wisconsin.

CITIZENS BANCORP, INC.

Newspaper:

Federal Register:

CIC 01/29/2007

02/05/2007

Notice by Robert Donavon Weerts and Jennifer

Lavon Weerts, both of Winnebago, Minnesota,

to gain control of Northern Star Financial,

Inc., Mankato, Minnesota, and thereby

indirectly gain control of Northern Star Bank,

Mankato, Minnesota.

NORTHERN STAR

FINANCIAL, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

State Bank Financial, La Crosse, Wisconsin,

proposes to purchase the assets and assume the

liabilities of the Sparta, Wisconsin, branch of

Acuity Bank, Tomah, Wisconsin, and incident

thereto establish a branch at 203 West

Wisconsin, Sparta, Wisconsin.

STATE BANK FINANCIAL

Newspaper:

Federal Register:

* 3A1 03/09/2007

03/05/2007

Trinity Investments, Inc., Glen Ullin, North

Dakota, to become a bank holding company by

acquiring 100 percent of Bank of Glen Ullin,

Glen Ullin, North Dakota.

TRINITY INVESTMENTS, 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 Second Quarter of 2007 (April 1, 2007 - June 30, 2007)

Institution Location

AMERICAN ST BK OF GRYGLA GRYGLA, MINNESOTA

BELT VALLEY BK BELT, MONTANA

COMMUNITY RESOURCE BK NORTHFIELD, MINNESOTA

FIRST BK BALDWIN BALDWIN, WISCONSIN

FIRST INTRST BK BILLINGS, MONTANA

FIRST SECURITY BK MISSOULA MISSOULA, MONTANA

FIRST ST BK OF MALTA MALTA, MONTANA

GRAND MARAIS ST BK GRAND MARAIS, MINNESOTA

LAKE COUNTY BK SAINT IGNATIUS, MONTANA

MERCHANTS ST BK FREEMAN, SOUTH DAKOTA

MONTANA ST BK PLENTYWOOD, MONTANA

NORTHWESTERN BK CHIPPEWA FALLS, WISCONSIN

PIONEER B&TC BELLE FOURCHE, SOUTH DAKOTA

STATE SVG BK OF MANISTIQUE MANISTIQUE, MICHIGAN

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

Federal Reserve Bank of Kansas City

Filings received during the week ending February 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/07/2007

02/28/2007

Notice by David and Joyce Sullivan, Elgin,

Nebraska, individually; and by Billy and Karen

Novak, and Alan and Kim Grossnicklaus,

Elgin, Nebraska, Terry and Rhonda Novak,

and Randy Novak, Neligh, Nebraska, and

Richard and Sandy Seckman, Schuyler,

Nebraska, as a group acting in concert; to

acquire control of Antelope Bancshares, Inc.,

parent of Bank of Elgin, both in Elgin,

Nebraska, through the acquisition of voting

shares.

ANTELOPE BANCSHARES,

INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Bank of Blue Valley, Overland Park, Kansas,

to purchase certain assets and assume certain

liabilities of the 9500 Lackman Road branch of

Northland National Bank, Gladstone,

Missouri, and incident thereto, to establish a

branch.

BANK OF BLUE VALLEY

Newspaper:

Federal Register:

CIC Not available

Not available

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:

* Branch

Not applicable

Exchange Bank and Trust Company, Perry, 02/25/2007

Oklahoma, to establish a branch at 4301 W.

6th, Stillwater, Oklahoma.

EXCHANGE BANK AND

TRUST COMPANY

Newspaper:

Federal Register:

* 3A1 Not available

03/05/2007

First Colorado Financial Corp., Paonia,

Colorado, to become a bank holding company

through the acquisition of 100 percent of the

voting shares of First National Bank of Paonia,

Paonia, Colorado.

FIRST COLORADO

FINANCIAL CORP.

Newspaper:

Federal Register:

* 3A3 Not available

03/23/2007

Application by First National of Illinois, Inc.,

Omaha, Nebraska, to acquire 100 percent of

the voting shares of First Marengo Financial

Corporation, parent of First National Bank of

Marengo, both in Marengo, Illinois.

Application filed by First National of

Nebraska, Inc., and Lauritzen Corporation,

both of Omaha, Nebraska, to indirectly acquire

100 percent of the voting shares of First

Marengo Financial Corporation, Marengo,

Illinois, parent of First National Bank of

Marengo, Marengo, Illinois.

FIRST NATIONAL OF

ILLINOIS, INC.

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

Federal Reserve Bank of Kansas City

Filings received during the week ending February 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/08/2007

Notification by Pella Fingersh Hillcrest Stock

Trust and Trust #2 for Julie Fingersh, Pella

Fingersh, Naples, Florida, trustee; Julie

Fingersh Hillcrest Stock Trust, Julie Fingersh,

San Rafael, California, trustee; Paul Fingersh

Hillcrest Stock Trust, Paul Fingersh, Kansas

City, Missouri, trustee; and Jack N. Fingersh

Family Trust and Indenture of Trust of Jack

Fingersh, dated 8-21-92, Jack Fingersh,

Naples, Florida, trustee; and JPJ Investments,

and FT Partners, LP, both in Kansas City,

Missouri and controlled by Jack Fingersh; to

retain control of Hillcrest Bancshares, Inc.,

parent of Hillcrest Bank, both in Overland

Park, Kansas, through the acquisition of voting

shares.

HILLCREST BANCSHARES,

INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Kansas Pacific Investments, LLC, to become a

bank holding company through the acquisition

of 100 percent of the voting shares of First

National Bank, both in Hays, Kansas.

KANSAS PACIFIC

INVESTMENTS, LLC

Newspaper:

Federal Register:

* 3A3 Not available

03/23/2007

Pinnacle Bancorp, Inc., Central City,

Nebraska, to acquire 100 percent of the voting

shares of Farmers and Merchants Bank,

Imperial, Nebraska.

PINNACLE BANCORP, INC.

Newspaper:

Federal Register:

4c8 Not applicable

03/13/2007

Spalding City Corporation, Omaha, Nebraska,

to continue to engage in general insurance

activities through the retention of Spalding

City Insurance Agency, Spalding, Nebraska.

SPALDING CITY

CORPORATION

* 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 Second Quarter of 2007 (April 1, 2007 - June 30, 2007)

Institution Location

1ST BK EVANSTON, WYOMING

1ST FNCL BK OVERLAND PARK, KANSAS

ADAMS B&TC OGALLALA, NEBRASKA

BANK OF DURANGO DURANGO, COLORADO

CITIZENS SECURITY B&TC BIXBY, OKLAHOMA

COMMUNITY B&TC NEOSHO, MISSOURI

COWBOY ST BK RANCHESTER, WYOMING

FIRST ST BK NESS CITY, KANSAS

MORRIS ST BK MORRIS, OKLAHOMA

PREMIER BK DENVER, COLORADO

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

Federal Reserve Bank of Dallas

Filings received during the week ending February 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by J & V Grist Family, Ltd., Andrews,

Texas, and general partner, Mr. John E. Grist,

Andrews, Texas, to acquire 75.19 percent of

Andrews Holding Company, Andrews, Texas,

and indirectly Commercial State Bank,

Andrews, Texas.

ANDREWS HOLDING

COMPANY

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Mr. Todd A. Seib, Dallas, Texas;

Mr. Jonathan C. Seib, Dallas, Texas; and Mr.

James A. Priebe, Plano, Texas; to acquire up to

99.89 percent of Gulfport Bancshares of

Delaware, Inc., Richwood, Texas, and

indirectly Brazos National Bank, Richwood,

Texas.

GULFPORT BANCSHARES OF

DELAWARE, INC.

Newspaper:

Federal Register:

CIC Not available

03/12/2007

Notice filed (as a group acting in concert) by

Mr. James E. Baxter, II, Richmond, Virginia,

Ms. Betty L. Baxter, Midlothian, Virginia, Mr.

James E. Baxter, Spent Spring, Virginia, Mr.

John W. Wright, Richmond, Virginia, Mr.

Curt D. Angstadt, Glen Allen, Virginia, and

Ms. Debra J. Angstadt, Glen Allen, Virginia,

(self-identified as the "Baxter Group") to

acquire a controlling interest in Premier

Bancshares, Inc., Garland, Texas, and

therefore indirectly, Synergy Bank, State

Savings Bank, Waco, Texas.

PREMIER BANCSHARES, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Second Quarter of 2007 (April 1, 2007 - June 30, 2007)

Institution Location

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

Federal Reserve Bank of San Francisco

Filings received during the week ending February 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 03/09/2007

03/08/2007

Castle Creek Capital Partners III LP, Castle

Creek Capital III LLC, Eggemeyer Capital

LLC, Ruh Capital LLC, Legions IV Advisory

Corp., all of Rancho Santa Fe, California, and

The BANKshares, Inc., Melbourne, Florida, to

acquire 100 percent of BankFIRST Bancorp,

and thereby indirectly acquire its subsidiary,

BankFIRST both of Winter Park, Florida.

CASTLE CREEK CAPITAL

PARTNERS III, L.P.

Newspaper:

Federal Register:

CIC Not available

02/28/2007

Notice by R. Scott Priest, Layton, Utah, to

retain his ownership of 15.55 percent of

Centennial Bankshares, Inc., and thereby

indirectly control its subsidiary, Centennial

Bank, both of Ogden, Utah.

CENTENNIAL BANKSHARES,

INC.

Newspaper:

Federal Register:

4c8 Not applicable

03/16/2007

NHB Holdings, Inc., and Proficio Mortgage

Ventures, LLC, both of Jacksonville, Florida,

to engage de novo through a joint venture with

Plus Relocation Mortgage Solutions,

Minneapolis, Minnesota, pursuant to section

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

section 225.28(b)(1) of Regulation Y.

NHB HOLDINGS, INC.

* Subject to the provisions of the Community Reinvestment Act