Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 35 

Week Ending September 1, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
Bank Mergers

National City Corporation, Cleveland, Ohio -- to merge with MAF Bancorp, Inc., 

Clarendon Hills, Illinois, and thereby acquire its subsidiaries, Mid America Bank, 

fsb, Clarendon Hills, and St. Francis Equity Properties, Inc., Brookfield, 

Wisconsin; and to engage in community development.

- Approved, August 28, 2007

Board Operations

Division of Monetary Affairs -- appointment of Cheryl Edwards as Associate 

Director; Andrew Levin, William Nelson, and Jonathan Wright as Deputy 

Associate Directors; Seth Carpenter, J. Benson Durham, Roberto Perli, and Egon 

Zakrajsek as Assistant Directors; and Gretchen Weinbach as Advisor, effective 

September 2, 2007.

- Approved, August 28, 2007

Regulations And Policies

Residential Mortgage Servicers -- interagency statement on loss mitigation 

strategies for servicers of residential mortgages.

- Approved, August 29, 2007

Enforcement

Capital City Bank, Tallahassee, Florida -- issuance of a consent order of 

assessment of a civil money penalty.

- Announced, August 28, 2007

Premier Bank, Denver, Colorado -- written agreement with the Federal Reserve 

Bank of Kansas City and the State of Colorado Division of Banking.

- Announced, August 29, 2007

H.2 Board Actions August 26, 2007 to September 1, 2007

(A/C) = Addition or Correction Board - Page 1 of 2
Enforcement

Premier Bank, Denver, Colorado -- written agreement dated March 24, 2003, 

terminated August 23, 2007.

- Announced, August 29, 2007

H.2 Board Actions August 26, 2007 to September 1, 2007

(A/C) = Addition or Correction Board - Page 2 of 2
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

August 26, 2007 to September 1, 2007

Bank Branches, Domestic

Comerica Bank, Detroit, Michigan -- to establish a branch at 3361 Rosecrans Street, 

San Diego, California.

Secretary

- Approved, August 29, 2007

Community First Bank, Prineville, Oregon -- to establish a branch at Staats Street, 

Bend.

San Francisco

- Approved, August 28, 2007

The Fauquier Bank, Warrenton, Virginia -- to establish a branch at 15252 

Washington Street, Haymarket.

Richmond

- Approved, August 28, 2007

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 141 South Highland 

Avenue, Pittsburgh, Pennsylvania.

Cleveland

- Approved, August 30, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 3250 West 87th 

Street, Chicago, Illinois.

Cleveland

- Approved, August 28, 2007

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

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 2627 North 

Elston Avenue, Chicago, Illinois.

Cleveland

- Approved, August 28, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 1212 75th 

Street, Downers Grove, Illinois.

Cleveland

- Approved, August 28, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 16831 Torrence 

Avenue, Lansing, Illinois.

Cleveland

- Approved, August 28, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 7580 Barrington 

Road, Hanover Park, Illinois.

Cleveland

- Approved, August 28, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 13001 South 

Ashland Avenue, Calumet Park, Illinois.

Cleveland

- Approved, August 28, 2007

H.2 Actions under delegated authority August 26, 2007 to September 1, 2007

(A/C) = Addition or Correction Delegated - 2 of 7
Bank Branches, Domestic

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 2440 Lincoln 

Highway, Olympia Fields, Illinois.

Cleveland

- Approved, August 28, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 1200 North 

Kennedy Drive, Kankakee, Illinois.

Cleveland

- Approved, August 28, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 491 East 

Roosevelt Drive, Lombard, Illinois.

Cleveland

- Approved, August 28, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 8401 

Indianapolis Boulevard, Highland, Indiana.

Cleveland

- Approved, August 28, 2007

Heritage Bank, Norfolk, Virginia -- to establish a branch at 601 Lynnhaven Parkway, 

Virginia Beach.

Richmond

- Approved, August 31, 2007

H.2 Actions under delegated authority August 26, 2007 to September 1, 2007

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

Allied Irish Banks, p.l.c., Dublin, Ireland -- to increase its interest in M&T Bank 

Corporation, Buffalo, New York, and its subsidiaries, Manufacturers and Traders 

Trust Company, and M&T Bank, National Association, Oakfield.

Secretary

- Approved, August 31, 2007

Blue Ridge Financial Corporation, Walhalla, South Carolina -- to become a bank 

holding company and to acquire Blue Ridge Bank of Walhalla.

Richmond

- Approved, August 30, 2007

BNP Paribas, Paris, France -- to engage in limited physical commodity trading 

activities complementary to the financial activity of engaging as principal in 

commodity derivatives.

Director, BS&R

- Approved, August 31, 2007

CB Financial Corporation, Rehoboth Beach, Delaware -- to become a bank holding 

company and to acquire County Bank.

Philadelphia

- Approved, August 27, 2007

Central Bancompany, Jefferson City, Missouri -- to acquire Millstadt Bancshares, 

Inc., Millstadt, Illinois, and thereby acquire First National Bank of Millstadt.

St. Louis

- Approved, August 27, 2007

H.2 Actions under delegated authority August 26, 2007 to September 1, 2007

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

Community Holding Company of Florida, Inc., Destin, Florida -- relief from a 

commitment.

Atlanta

- Withdrawn, August 29, 2007

FBC Bancorp, Inc., Orlando, Florida -- to acquire Prime Bank, Melbourne.

Atlanta

- Approved, August 30, 2007

Harleysville National Corporation, Harleysville, Pennsylvania -- waiver of 

application to merge with East Penn Financial Corporation, Emmaus, in connection 

with the merger of East Penn Bank with Harleysville National Bank, Harleysville.

Philadelphia

- Granted, August 31, 2007

Legend Bancorp, Inc., Bowie, Texas -- to acquire by merger Bonstate Bancshares, 

Inc., Bonham, and thereby acquire Bonham State Bank and Bonham Financial 

Services, Inc., Dover, Delaware.

Dallas

- Approved, August 30, 2007

National Bancorp, Inc., Schaumburg, Illinois -- waiver of application to acquire 

Antioch Bancshares, Inc., Antioch, and thereby acquire First National 

Bank-Employee Owned, in connection with the merger of First National 

Bank-Employee Owned and AmericaUnited Bank and Trust Company, USA, 

Schaumburg.

Chicago

- Granted, August 31, 2007

H.2 Actions under delegated authority August 26, 2007 to September 1, 2007

(A/C) = Addition or Correction Delegated - 5 of 7
Bank Holding Companies

Security Agency, Inc., Decorah, Iowa -- waiver of application to acquire Fortress 

Bank of Cresco, Cresco, in connection with the merger of Fortress Bank of Cresco 

and Decorah Bank & Trust Company, Decorah.

Chicago

- Granted, August 27, 2007

Sidney Bancorp, Sidney, Michigan -- to become a bank holding company and to 

acquire Sidney State Bank.

Chicago

- Approved, August 30, 2007

Bank Mergers

Southwest Bank, Fort Worth, Texas -- to merge with Community Bank of Texas, 

National Association, Grand Prairie, and thereby establish a branch at 1106 North 

Highway 360.

Dallas

- Approved, August 30, 2007

Change In Bank Control

Bradley Bancshares, Inc., Warren, Arkansas -- to retain control of Bradley 

Bancshares, Inc.

St. Louis

- Permitted, August 29, 2007

Overton Financial Services, Inc., Livingston, Tennessee -- to retain control of 

Overton Financial Services, Inc.

Atlanta

- Permitted, August 28, 2007

H.2 Actions under delegated authority August 26, 2007 to September 1, 2007

(A/C) = Addition or Correction Delegated - 6 of 7
Change In Bank Control

West-Central Bancorp, Inc., Spencer, West Virginia -- to retain control of 

West-Central Bancorp, Inc.

Richmond

- Permitted, August 28, 2007

Extensions Of Time

1st Century Bancshares, Inc., Los Angeles, California -- extension to December 22, 

2007, to become a bank holding company and to acquire 1st Century Bank.

San Francisco

- Granted, August 27, 2007

First Banks, Inc., Hazelwood, Missouri -- extension to December 10, 2007, to acquire 

shares of Community West Bancshares, Goleta, California, and Community West 

Bank, National Association.

St. Louis

- Granted, August 30, 2007

Town Bank, Delafield, Wisconsin -- extension to December 14, 2007, to establish a 

branch at 13150 Watertown Plank Road, Elm Grove.

Chicago

- Granted, August 28, 2007

Financial Holding Companies 

CP Capital Bancorp, Inc., Miami, Florida -- election to become a financial holding 

company.

Atlanta

- Effective, August 29, 2007

H.2 Actions under delegated authority August 26, 2007 to September 1, 2007

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

Federal Reserve Bank of Boston

Filings received during the week ending September 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/05/2007

09/05/2007

Notice pursuant to the Change in Bank Control 

Act of 1978 by James J. Mawn, Sr. Gloucester, 

Massachusetts, and members of his immediate 

family and affiliated entities acting in concert to 

acquire additional shares of Northern Bancorp, 

Inc., Woburn, Massachusetts.

NORTHERN BANCORP, INC.

* 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 September 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 08/29/2007

08/27/2007

Allied Irish Banks, p.l.c., Dublin, Ireland to 

acquire additional shares of M&T Bank 

Corporation, Buffalo, New York ("M&T"), for a 

total of 29 percent, as a result of M&T's stock 

buyback program, and thereby indirectly control 

Manufacturers and Traders Trust Company, 

Buffalo, New York and M&T Bank, N.A., 

Oakfield, New York.

ALLIED IRISH BANKS, P.L.C.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Andhra Bank, Hyderabad, India, to establish a 

representative office in Jersey City, New Jersey.

ANDHRA BANK

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Banco Popular de Puerto Rico, San Juan, Puerto 

Rico in connection with the request for prior 

approval of the Board of Governors of the 

Federal Reserve System to acquire certain 

assets and assume certain liabilities of the 17 

Puerto Rico branches of Citibank, NA, Las 

Vegas, Nevada, pursuant to Section 18(c) of the 

Federal Deposit Insurance Act.

BANCO POPULAR DE PUERTO 

RICO

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

BNP Paribas, Paris, France requests approval 

pursuant to the International Banking Act of 

1978 and after the fact provisions of Section 

211.24(a)(6) of Regulation K to establish the 

New York branch of its subsidiary Banca 

Nationale del Lavoro S.p.A., Rome, Italy.

BNP PARIBAS

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citibank, N.A., Las Vegas, Nevada, on behalf of 

itself and its Edge corporation subsidiary, 

Citibank Overseas Investment Corporation, New 

Castle, Delaware requests a waiver from the 

aggregate investment limit in Section 211.9(b)(6) 

of Regulation K for an investment in Diners 

Club Europe S.p.A.

CITIBANK, N.A.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

International Bank of Azerbaijan, Baku, 

Azerbaijan, to establish a representative office 

in New York, New York, pursuant to Section 

10(a) of the International Banking Act, as 

amended, and Section 211.24(a)(1) of Regulation 

K.

INTERNATIONAL BANK OF 

AZERBAIJAN

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

Federal Reserve Bank of New York

Filings received during the week ending September 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

4c8

* 18C

10/01/2007

M&T Bank Corporation, Buffalo, New York 

("M&T"), to (i) acquire Partners Trust Financial 

Group, Utica, New York ("Partners Trust") and 

merge Partners Trust with and into M&T, and 

thereby to acquire Partners Trust's 

wholly-owned bank subsidiary, Partners Trust 

Municipal Bank, Utica, New York, and also 

thereby to acquire Partners Trust Bank, Utica, 

New York, and thereby operate a federal 

savings bank, and (ii) to acquire Partners Trust's 

wholly-owned direct and indirect non-banking 

subsidiaries, pursuant to Sections 3(a)(3), 4(c)

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

of 1956, as amended, and Sections 225.15 and 

225.24 of Regulation Y. 

In addition, Manufacturers and Traders Trust 

Company, Buffalo, New York, ("M&T Bank") to 

merge with Partners Trust Bank and Partners 

Trust Municipal Bank, with M&T Bank as the 

surviving entity, pursuant to Section 18(c) of 

the Federal Deposit Insurance Act, and in 

connection therewith, to retain the branches at 

the current branch locations of Partners Trust 

Bank, pursuant to Section 9 of the Federal 

Reserve Act.

M&T BANK CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 09/06/2007

Buffalo, New York, to establish a limited-service 

branch to be located at 15 South Franklin Street, 

Wilkes-Barre, Luzerne County, Pennsylvania 

(RSSD 3630994).

MANUFACTURERS AND 

TRADERS TRUST COMPANY

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending September 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/24/2007

09/25/2007

Harleysville National Corporation, Harleysville, 

PA, acquire 19.9% of Berkshire Bancorp, Inc., 

Wyomissing, PA, thereby indirectly acquire 

Berkshire Bank, Wyomissing, PA.

HARLEYSVILLE NATIONAL 

CORPORATION

* 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 September 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, Michigan to 09/12/2007

establish branch at Countyline - 1122 Dale 

Mabry Highway N, Lutz, FL

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, Michigan to 09/12/2007

establish branch at Big Bend - 13304 US 

Highway 301 South, Riverview, FL

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, Michigan to 09/12/2007

establish branch at McMullen Booth - 1703 

McMullen Booth Road, Clearwater, FL

FIFTH THIRD BANK

Newspaper:

Federal Register:

* 3A5 Not available

Not available

First Corbin Bancorp, Inc. proposed acquistion 

of Eagle Fidelity, Inc. and it's subsidiary bank 

Eagle Bank, Inc pursuant to section 3(a)(5) of 

the BHCA.

FIRST CORBIN BANCORP, INC.

Newspaper:

Federal Register:

* 3A5 Not available

* 3A3 09/25/2007

PNC Financial Services Group, Inc., Pittsburgh, 

Pennsylvania, to acquire Yardville National 

Bancorp, Hamilton, New Jersey, and its 

subsidiary bank, Yardville National Bank, 

Yardville, New Jersey, and its 19.9% investment 

in Bucks County Bank, Doylestown, PA

PNC FINANCIAL SERVICES 

GROUP, INC., 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 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 September 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Banc of America FSC Holdings, Inc., San 

Francisco, California, requests approval to make 

an investment of $95.1 million in Storey Asset 

Management Company, Reno, Nevada.

BANC OF AMERICA FSC 

HOLDINGS, INC.

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

The Bank of Monroe, Union, West Virginia, to 

increase its investment in bank premises in the 

amount of $1 million.

BANK OF MONROE, THE

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Community Capital Bank of Virginia, 

Christiansburg, Virginia, to become a member of 

the Federal Reserve Bank.

COMMUNITY CAPITAL BANK 

OF VIRGINIA

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First Virginia Community Bank, Fairfax, Virginia, 

an organizing bank, to become a member of the 

Federal Reserve Bank of Richmond.

FIRST VIRGINIA COMMUNITY 

BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Select Bank, Forest, Virginia, proposes to 09/12/2007

establish a branch at 7113 Timberlake Road, 

Lynchburg, Virginia.

SELECT BANK

Newspaper:

Federal Register:

* 3A1

4c8

09/22/2007

09/21/2007

Virginia Community Capital, Inc., 

Christiansburg, Virginia, to become a bank 

holding company through the acquisition of 

99% of the voting securities of Community 

Capital Bank of Virginia, Christiansburg, 

Virginia, an organizing bank.

VIRGINIA COMMUNITY 

CAPITAL, INC.

* 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 September 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

CapitalMark Bank & Trust, Chattanooga, 09/10/2007

Tennessee, to establish a branch located at 550 

Main Street, Suite 550, Knoxville, Tennessee.

CAPITALMARK BANK & 

TRUST

Newspaper:

Federal Register:

CIC Not available

09/10/2007

Citizens Southern Bancshares, Inc., Vernon, 

Alabama (Bancshares), prior change in control 

notice filed by Guy F. Medley and Ann S. 

Medley; Michael A. Medley and Lanora A. 

Medley; Michael P. McCann and Janice A. 

McCann; Michael A. Bean and Deborah B. 

Bean; and Jeffrey K. Stout and Diane O. Stout, 

all of Dothan, Alabama, to collectively acquire 

69.17 percent of the outstanding shares of 

Bancshares and its subsidiary, Citizens State 

Bank, Vernon, Alabama.

CITIZENS SOUTHERN 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 09/16/2007

09/14/2007

Prior change in control notice filed by Leandre 

Joseph Folse; Bonnie Jane Folse; Mark Phillip 

Folse; Todd John Folse; and the Folse Family 

Voting Trust, Leandre Joseph Folse, Bonnie 

Jane Folse, and Mark Phillip Folse, trustees; all 

of Houma, Louisiana, and Carrie Jane Folse, 

Birmingham, Alabama, to collectively acquire 

approximately 1.9 percent of the outstanding 

shares of Coastal Commerce Bancshares, and its 

subsidiary, Coastal Commerce Bank, both of 

Houma, Louisiana. Total pro forma ownership 

for the group will be approximately 13.1 percent.

COASTAL COMMERCE 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 09/22/2007

09/28/2007

Community First, Inc., Columbia, Tennessee, to 

acquire 100 percent of the outstanding shares of 

First National Bank of Centerville, Centerville, 

Tennessee.

COMMUNITY FIRST, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

First Guaranty Bancshares, Inc., to acquire 100 

percent of the outstanding shares of Douglass 

National Bank, Kansas City, Kansas.

FIRST GUARANTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 09/26/2007

09/28/2007

Patterson Bancshares, Inc., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of Patterson State Bank, 

both of Patterson, Louisiana.

PATTERSON BANCSHARES, 

INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 

branches at the following locations: 16116 State 

Road 54, Odessa, Florida, to be known as the 

Suncoast Crossings Office; 4386 Cobb Parkway, 

Acworth, Georgia, to be known as the 

Governor's Towne Club Office; and 8109 

Kensington Drive, Waxhaw, North Carolina, to 

be known as the Cureton Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Tennessee State Bank, Pigeon Forge, 09/13/2007

Tennessee, to establish branches in the 

following locations: 11470 Parkside Drive, 

Knoxville, Tennessee; 107 Epley Road, 

Newport, Tennessee; and 106 West Broadway 

Boulevard, Jefferson City, Tennessee.

TENNESSEE STATE 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 September 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/28/2007

Bank of Montreal, Montreal, Canada, Harris 

Financial Corp., Chicago, Illinois, and Harris 

Bankcorp, Inc., Chicago, Illinois, to acquire 100 

percent of the voting shares of Merchants and 

Manufacturers Bancorporation, Inc., New 

Berlin, Wisconsin, Merchants Merger Corp., 

Brookfield, Wisconsin, and Merchants New 

Merger Corp., Brookfield, Wisconsin, and 

thereby indirectly acquire Lincoln State Bank, 

Milwaukee, Wisconsin, Grafton State Bank, 

Grafton, Wisconsin, Community Bank Financial, 

Oconto Falls, Wisconsin, The Reedsburg Bank, 

Reedsburg, Wisconsin, Fortress Bank, Westby, 

Wisconsin, Fortress Bank of Cresco, Cresco, 

Iowa, Wisconsin State Bank, Random Lake, 

Wisconsin, and 5.89 percent of the voting 

shares of Central Wisconsin Financial Services, 

Inc., Wausau, Wisconsin, and thereby 

indirectly acquire Bank of Wausau, Wausau, 

Wisconsin.

BANK OF MONTREAL

Newspaper:

Federal Register:

* 3A3 Not available

09/28/2007

Bank of Montreal, Montreal, Canada, Harris 

Financial Corp., Chicago, Illinois, and Harris 

Bankcorp, Inc., Chicago, Illinois, to acquire 100 

percent of the voting shares of Ozaukee Bank, 

Cedarburg, Wisconsin.

BANK OF MONTREAL

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish 

two branch facilities to be located at 27482 

Portola Parkway, Foothill Ranch, California, and 

26131 La Paz Road, Suite B1, Mission Viejo, 

California.

COMERICA BANK

Newspaper:

Federal Register:

* 3A1 09/18/2007

09/17/2007

Covenant Bancshares, Inc., Forest Park, Illinois, 

to become a bank holding company by 

acquiring 100 percent of the voting shares of 

Community Bank of Lawndale, Chicago, Illinois.

COVENANT BANCSHARES, INC.

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of 

BankFinancial Corporation, Burr Ridge, Illinois, 

and thereby indirectly acquire BankFinancial 

F.S.B., Olympia Fields, Illinois, and thereby 

operate a savings association.

FBOP CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of PFF 

Bancorp, Inc., Rancho Cucamonga, California, 

and thereby indirectly acquire PFF Bank and 

Trust, Pomona, California, and thereby operate a 

savings association.

FBOP CORPORATION

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of 

Provident Financial Holdings, Inc., Riverside, 

California, and thereby indirectly acquire 

Provident Savings Bank, F.S.B., Riverside, 

California, and thereby operate a savings 

association.

FBOP CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

09/17/2007

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 Not available

08/20/2007

Pan American Acquisition, Inc., Oak Brook, 

Illinois, to become a bank holding company by 

acquiring 100 percent of the voting shares of JD 

Financial Group, Inc., Chicago, Illinois, and 

thereby indirectly acquire Pan American Bank, 

Chicago, Illinois.

PAN AMERICAN ACQUISITION, 

INC

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Partnership Community Bancshares, Inc., 

Tomah, Wisconsin, to acquire 51 percent of the 

voting shares of Lebanon Community 

Bancshares, Inc., Watertown, Wisconsin, and 

thereby indirectly acquire Town & Country 

Bank, Watertown, Wisconsin.

PARTNERSHIP COMMUNITY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 09/15/2007

09/14/2007

SB Bancorp, Inc., DeForest, Wisconsin, to 

become a bank holding company by acquiring 

100 percent of the voting shares of Settlers 

Bank (in organization), DeForest, Wisconsin.

SB 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

NONE

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 September 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/22/2007

09/13/2007

Notice by the Cross Family Control Group to 

retain ownership of 61.7 percent of the voting 

shares of Eureka Bancshares, Inc., Eureka 

Springs, Arkansas. The Cross Family Control 

Group consists of John F. Cross, Sr., John F. 

Cross, Jr., Marie J. Cross, Bobbie S. Foster, 

Charles T. Cross, and the Cross Family Trust, 

John F. Cross, Sr. as trustee, all of Eureka 

Springs, Arkansas, and Claude C. Cross, 

Charleston, South Carolina.

EUREKA 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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending September 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/31/2007

Notice by First Trust Company of Onaga, N.A. 

FBO LeRoy Albjerg, IRA, Arden Hills, 

Minnesota; US Bancorp Piper Jaffray custodian 

FBO Harold Broman, Jr., North St. Paul, 

Minnesota; Larry Dunn, Stacy, Minnesota; and 

Diana Makens, Las Vegas, Nevada, to join an 

existing group acting in concert: Walter G. Fries, 

Wabasha, Minnesota; Raymond B. Pinson, Del 

Ray Beach, Florida; Kenneth D. Myers, Apple 

Valley, Minnesota; GLA Investments, L.L.C., 

Lakeville, Minnesota, Gary Anderson as general 

partner; AMSIE Enterprises, LLC, Minnetonka, 

Minnesota, Donald Eisma as general partner; 

Nancy Ludwig and Francis N. Ludwig, Apple 

Valley, Minnesota; Richard B. Lambert, Jr., 

Apple Valley, Minnesota; Russell S. Sampson, 

Prior Lake, Minnesota; Curtis A. Sampson, 

Hector, Minnesota; Brett D. Reese, Northfield, 

Minnesota; S & L Investments, LLP, 

Bloomington, Minnesota, David Stueve as 

general partner; Savage Capitalists, LLP, 

Bloomington, Minnesota, David Stueve as 

general partner; Pershing LLC FBO Richard D. 

Estenson IRA, Northfield, Minnesota; Charles 

and Cindy Beske, Lakeville, Minnesota; and 

Brian Bauer, Garvin, Minnesota, to gain control 

of 25 percent or more of the shares of Access 

Bancshares, Inc., Champlin, Minnesota, and 

thereby indirectly gain control of Access Bank, 

Champlin, Minnesota.

ACCESS BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First Interstate Bank, Billings, Montana, to 09/07/2007

establish a branch facility to be located at 8111 

Highway 35, Big Fork, Montana.

FIRST INTERSTATE BANK

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending September 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/24/2007

09/10/2007

Notice by Shaun R. Hayes, St. Louis, Missouri, 

to acquire control of Investors Financial 

Corporation of Pettis County, Inc., parent of 

Excel Bank, both in Sedalia, Missouri, through 

the acquisition of voting shares.

INVESTORS FINANCIAL 

CORPORATION OF PETTIS 

COUNTY, 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 September 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/24/2007

09/14/2007

Notice filed by Asbury Trust #1-S; Asbury 

Trust #2-B; Asbury Trust #3-A; Asbury Trust 

#4-T; W. Andrew Sandford, as trustee; and 

Blake and Carole Sandford, all of Decatur, 

Texas, together, acting in concert, to increase 

their ownership and voting control of Chisholm 

Bancshares, Inc., Decatur, Texas, from 9.99 

percent to 18.06 percent, and indirectly acquire 

North Texas Bank, N.A., Decatur, Texas.

CHISHOLM BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C

* Branch

Member

Not applicable

Comerica Bank, Dallas, Texas (in organization), 09/24/2007

to merge with Comerica Bank, Detroit, Michigan, 

and thereby to establish related branch offices, 

and the concurrent application by Comerica 

Bank, Dallas, Texas, to become a member of the 

Federal Reserve System.

COMERICA BANK

Newspaper:

Federal Register:

* 3A5 Not available

Not available

F C Holdings, Inc., Houston, Texas, and F C 

Holdings of Delaware, Inc., Wilmington, 

Delaware, to acquire by merger 100 percent of 

First Crockett Bancshares, Inc., Crockett, Texas, 

and indirectly acquire Crockett Delaware 

Bancshares, Inc., New Castle, Delaware, and 

First National Bank of Crockett, Crockett, Texas.

F C HOLDINGS, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Kilgore National Financial Corp., Kilgore, Texas, 

to become a bank holding company by 

acquiring 100 percent of Kilgore National Bank, 

Kilgore, Texas.

KILGORE NATIONAL 

FINANCIAL CORP.

Newspaper:

Federal Register:

* Branch

Not applicable

LegacyTexas Bank, Plano, Texas, to establish a 09/10/2007

branch to be located at 3000 West 7th Street, 

Suite 120, Fort Worth, Texas.

LEGACYTEXAS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

PlainsCapital Bank, Lubbock, Texas, to establish 09/07/2007

a branch to be located at 9802 Quaker Avenue, 

Lubbock, Texas 79424.

PLAINSCAPITAL BANK

* 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 September 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Whitman, Colfax, Washington, to 08/31/2007

establish a branch facility at 12812 N. Addison, 

Spokane, Washington.

BANK OF WHITMAN

* 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
Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 35 

Week Ending September 1, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
Bank Mergers

National City Corporation, Cleveland, Ohio -- to merge with MAF Bancorp, Inc., 

Clarendon Hills, Illinois, and thereby acquire its subsidiaries, Mid America Bank, 

fsb, Clarendon Hills, and St. Francis Equity Properties, Inc., Brookfield, 

Wisconsin; and to engage in community development.

- Approved, August 28, 2007

Board Operations

Division of Monetary Affairs -- appointment of Cheryl Edwards as Associate 

Director; Andrew Levin, William Nelson, and Jonathan Wright as Deputy 

Associate Directors; Seth Carpenter, J. Benson Durham, Roberto Perli, and Egon 

Zakrajsek as Assistant Directors; and Gretchen Weinbach as Advisor, effective 

September 2, 2007.

- Approved, August 28, 2007

Regulations And Policies

Residential Mortgage Servicers -- interagency statement on loss mitigation 

strategies for servicers of residential mortgages.

- Approved, August 29, 2007

Enforcement

Capital City Bank, Tallahassee, Florida -- issuance of a consent order of 

assessment of a civil money penalty.

- Announced, August 28, 2007

Premier Bank, Denver, Colorado -- written agreement with the Federal Reserve 

Bank of Kansas City and the State of Colorado Division of Banking.

- Announced, August 29, 2007

H.2 Board Actions August 26, 2007 to September 1, 2007

(A/C) = Addition or Correction Board - Page 1 of 2
Enforcement

Premier Bank, Denver, Colorado -- written agreement dated March 24, 2003, 

terminated August 23, 2007.

- Announced, August 29, 2007

H.2 Board Actions August 26, 2007 to September 1, 2007

(A/C) = Addition or Correction Board - Page 2 of 2
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

August 26, 2007 to September 1, 2007

Bank Branches, Domestic

Comerica Bank, Detroit, Michigan -- to establish a branch at 3361 Rosecrans Street, 

San Diego, California.

Secretary

- Approved, August 29, 2007

Community First Bank, Prineville, Oregon -- to establish a branch at Staats Street, 

Bend.

San Francisco

- Approved, August 28, 2007

The Fauquier Bank, Warrenton, Virginia -- to establish a branch at 15252 

Washington Street, Haymarket.

Richmond

- Approved, August 28, 2007

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 141 South Highland 

Avenue, Pittsburgh, Pennsylvania.

Cleveland

- Approved, August 30, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 3250 West 87th 

Street, Chicago, Illinois.

Cleveland

- Approved, August 28, 2007

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

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 2627 North 

Elston Avenue, Chicago, Illinois.

Cleveland

- Approved, August 28, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 1212 75th 

Street, Downers Grove, Illinois.

Cleveland

- Approved, August 28, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 16831 Torrence 

Avenue, Lansing, Illinois.

Cleveland

- Approved, August 28, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 7580 Barrington 

Road, Hanover Park, Illinois.

Cleveland

- Approved, August 28, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 13001 South 

Ashland Avenue, Calumet Park, Illinois.

Cleveland

- Approved, August 28, 2007

H.2 Actions under delegated authority August 26, 2007 to September 1, 2007

(A/C) = Addition or Correction Delegated - 2 of 7
Bank Branches, Domestic

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 2440 Lincoln 

Highway, Olympia Fields, Illinois.

Cleveland

- Approved, August 28, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 1200 North 

Kennedy Drive, Kankakee, Illinois.

Cleveland

- Approved, August 28, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 491 East 

Roosevelt Drive, Lombard, Illinois.

Cleveland

- Approved, August 28, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 8401 

Indianapolis Boulevard, Highland, Indiana.

Cleveland

- Approved, August 28, 2007

Heritage Bank, Norfolk, Virginia -- to establish a branch at 601 Lynnhaven Parkway, 

Virginia Beach.

Richmond

- Approved, August 31, 2007

H.2 Actions under delegated authority August 26, 2007 to September 1, 2007

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

Allied Irish Banks, p.l.c., Dublin, Ireland -- to increase its interest in M&T Bank 

Corporation, Buffalo, New York, and its subsidiaries, Manufacturers and Traders 

Trust Company, and M&T Bank, National Association, Oakfield.

Secretary

- Approved, August 31, 2007

Blue Ridge Financial Corporation, Walhalla, South Carolina -- to become a bank 

holding company and to acquire Blue Ridge Bank of Walhalla.

Richmond

- Approved, August 30, 2007

BNP Paribas, Paris, France -- to engage in limited physical commodity trading 

activities complementary to the financial activity of engaging as principal in 

commodity derivatives.

Director, BS&R

- Approved, August 31, 2007

CB Financial Corporation, Rehoboth Beach, Delaware -- to become a bank holding 

company and to acquire County Bank.

Philadelphia

- Approved, August 27, 2007

Central Bancompany, Jefferson City, Missouri -- to acquire Millstadt Bancshares, 

Inc., Millstadt, Illinois, and thereby acquire First National Bank of Millstadt.

St. Louis

- Approved, August 27, 2007

H.2 Actions under delegated authority August 26, 2007 to September 1, 2007

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

Community Holding Company of Florida, Inc., Destin, Florida -- relief from a 

commitment.

Atlanta

- Withdrawn, August 29, 2007

FBC Bancorp, Inc., Orlando, Florida -- to acquire Prime Bank, Melbourne.

Atlanta

- Approved, August 30, 2007

Harleysville National Corporation, Harleysville, Pennsylvania -- waiver of 

application to merge with East Penn Financial Corporation, Emmaus, in connection 

with the merger of East Penn Bank with Harleysville National Bank, Harleysville.

Philadelphia

- Granted, August 31, 2007

Legend Bancorp, Inc., Bowie, Texas -- to acquire by merger Bonstate Bancshares, 

Inc., Bonham, and thereby acquire Bonham State Bank and Bonham Financial 

Services, Inc., Dover, Delaware.

Dallas

- Approved, August 30, 2007

National Bancorp, Inc., Schaumburg, Illinois -- waiver of application to acquire 

Antioch Bancshares, Inc., Antioch, and thereby acquire First National 

Bank-Employee Owned, in connection with the merger of First National 

Bank-Employee Owned and AmericaUnited Bank and Trust Company, USA, 

Schaumburg.

Chicago

- Granted, August 31, 2007

H.2 Actions under delegated authority August 26, 2007 to September 1, 2007

(A/C) = Addition or Correction Delegated - 5 of 7
Bank Holding Companies

Security Agency, Inc., Decorah, Iowa -- waiver of application to acquire Fortress 

Bank of Cresco, Cresco, in connection with the merger of Fortress Bank of Cresco 

and Decorah Bank & Trust Company, Decorah.

Chicago

- Granted, August 27, 2007

Sidney Bancorp, Sidney, Michigan -- to become a bank holding company and to 

acquire Sidney State Bank.

Chicago

- Approved, August 30, 2007

Bank Mergers

Southwest Bank, Fort Worth, Texas -- to merge with Community Bank of Texas, 

National Association, Grand Prairie, and thereby establish a branch at 1106 North 

Highway 360.

Dallas

- Approved, August 30, 2007

Change In Bank Control

Bradley Bancshares, Inc., Warren, Arkansas -- to retain control of Bradley 

Bancshares, Inc.

St. Louis

- Permitted, August 29, 2007

Overton Financial Services, Inc., Livingston, Tennessee -- to retain control of 

Overton Financial Services, Inc.

Atlanta

- Permitted, August 28, 2007

H.2 Actions under delegated authority August 26, 2007 to September 1, 2007

(A/C) = Addition or Correction Delegated - 6 of 7
Change In Bank Control

West-Central Bancorp, Inc., Spencer, West Virginia -- to retain control of 

West-Central Bancorp, Inc.

Richmond

- Permitted, August 28, 2007

Extensions Of Time

1st Century Bancshares, Inc., Los Angeles, California -- extension to December 22, 

2007, to become a bank holding company and to acquire 1st Century Bank.

San Francisco

- Granted, August 27, 2007

First Banks, Inc., Hazelwood, Missouri -- extension to December 10, 2007, to acquire 

shares of Community West Bancshares, Goleta, California, and Community West 

Bank, National Association.

St. Louis

- Granted, August 30, 2007

Town Bank, Delafield, Wisconsin -- extension to December 14, 2007, to establish a 

branch at 13150 Watertown Plank Road, Elm Grove.

Chicago

- Granted, August 28, 2007

Financial Holding Companies 

CP Capital Bancorp, Inc., Miami, Florida -- election to become a financial holding 

company.

Atlanta

- Effective, August 29, 2007

H.2 Actions under delegated authority August 26, 2007 to September 1, 2007

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