Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 52

Week Ending December 30, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions December 24, 2006 to December 30, 2006

Publications

Adjustable Rate Mortgages -- revised Consumer Handbook on Adjustable Rate 

Mortgages (CHARM), issued jointly with the Office of Thrift Supervision.

- Announced, December 26, 2006 

Regulations And Policies

Regulation BB (Community Reinvestment) -- interagency annual adjustment to the 

asset-size thresholds used to define "small bank" and "intermediate small bank" 

under the Community Reinvestment Act regulations (Docket R-1273).

- Announced, December 27, 2006 

Enforcement

Canadian Imperial Bank of Commerce, Toronto, Ontario, Canada -- written 

agreement dated December 22, 2003, terminated December 22, 2006.

- Announced, December 27, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
December 24, 2006 to December 30, 2006

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

Community Banks of Colorado, Greenwood Village, Colorado -- to establish 

branches at 2460 F Road, Grand Junction; and 100 West Colorado Avenue, 

Telluride.

- Approved, December 26, 2006 

Kansas City

Hanmi Bank, Los Angeles, California -- to establish a branch at 9759 Baseline 

Road, Rancho Cucamonga.

- Approved, December 28, 2006 

San Francisco

Sun American Bank, Boca Raton, Florida -- to establish branches at 2160 West 

Atlantic Avenue, Delray Beach, and 11381 Prosperity Farms Road, Palm Beach 

Gardens, in the Prosperity Oaks assisted living facility.

- Approved, December 28, 2006 

Atlanta

Sun American Bank, Boca Raton, Florida -- to establish a branch at 350 Southeast 

Second Street, Fort Lauderdale.

- Approved, December 28, 2006 

Atlanta

Bank Holding Companies

Alerus Financial Corporation, Grand Forks, North Dakota -- to acquire Alerus 

Interim, National Association, Minnetonka, Minnesota, in connection with the 

merger of Alerus Interim, National Association, and Stanton Trust Company, 

National Association, and the merger of the resulting institution with Alerus 

Financial, National Association, Grand Forks, North Dakota.

- Approved, December 22, 2006 (AC)

Minneapolis

(AC) = Addition or Correction Delegated - Page 1 of 4
H.2 Actions under delegated authority December 24, 2006 to December 30, 2006

Bank Holding Companies

Highland Financial Services, Inc., Marietta, Georgia -- to become a bank holding 

company and to acquire Highland Commercial Bank.

- Approved, December 27, 2006 

Atlanta

M&T Bank Corporation, Buffalo, New York -- to make a public welfare investment 

as a limited partner in Enterprise Housing Partners XIV Limited Partnership, 

Columbia, Maryland.

- Approved, December 28, 2006 

New York

Metropolitan Capital Bancorp, Inc., Chicago, Illinois -- to engage de novo in 

extending credit and servicing loans.

- Approved, December 28, 2006 

Chicago

NHB Holdings, Inc., Jacksonville, Florida -- to become a bank holding company 

and to acquire Volvo Commercial Credit Corp. of Utah, Salt Lake City, to be 

renamed Globility Bank.

- Approved, December 29, 2006 

San Francisco

NHB Holdings, Inc., Jacksonville, Florida -- to engage de novo in mortgage lending 

activities through the acquisition of 50.1 percent of the shares of a limited liability 

company to be formed.

- Approved, December 29, 2006 

San Francisco

Reserve Financial Associates, LLC, Columbus, Ohio; Sofia Financial Associates, 

LLC; Skilken Financial, LLC; and RFA Acquisition Company, Inc., Naples, 

Florida -- to become a multi-tiered bank holding company structure and to acquire 

Business Bank of Florida Corp., Melbourne, and Florida Business Bank.

- Approved, December 29, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 4
H.2 Actions under delegated authority December 24, 2006 to December 30, 2006

Bank Holding Companies

Wauwatosa Holdings, Inc., Wauwatosa, Wisconsin -- temporary relief from certain 

commitments.

- Granted, December 20, 2006 (AC)

Director, BS&R

Zions Bancorporation, Salt Lake City, Utah -- waiver of application to acquire The 

Stockmen's Bancorp, Inc., Kingman, Arizona, and The Stockmen's Bank.

- Granted, December 27, 2006 

Secretary

Banks, National

KeyBank, National Association, Cleveland, Ohio -- to invest in excess of 10 percent 

of its capital and surplus in its agreement corporations, and waiver of remainder of 

notification period to make additional investments, through Key Equipment Finance 

International, Inc., Superior, Colorado, in Key Nova Scotia Funding Company, 

Halifax, Nova Scotia, Canada, and Key Canada Funding Ltd., Calgary, Alberta.

- Approved, December 18, 2006 (AC)

Director, BS&R

Change In Bank Control

Belle Fourche Bancshares, Inc., Spearfish, South Dakota -- to retain control of Belle 

Fourche Bancshares, Inc.

- Permitted, December 28, 2006 

Minneapolis

Wilber Co., Wilber, Nebraska -- change in bank control.

- Permitted, December 29, 2006 

Kansas City

Extensions Of Time

Colorado Community Bank, Yuma, Colorado -- extension to January 7, 2007, to 

establish a branch at 4625 Trail Boss Drive, Castle Rock.

- Granted, December 27, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 4
H.2 Actions under delegated authority December 24, 2006 to December 30, 2006

Extensions Of Time

United Citizens Bancorp, Inc., Columbia, Kentucky -- extension to March 29, 2007, 

to become a bank holding company and to acquire United Citizens Bank of 

Southern Kentucky, Inc.

- Granted, December 29, 2006 

St. Louis

Regulations And Policies

Regulation C -- annual notice of the asset-size exemption threshold for depository 

institutions under the Home Mortgage Disclosure Act (Docket No. R-1275).

- Approved, December 20, 2006 (AC)

Director, C&CA

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

Federal Reserve Bank of Boston

Filings received during the week ending December 30, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

01/10/2007

01/05/2007

Application by 1895 MHC and 1895 Corp.,

both of Worcester, Massachusetts, to become a

mutual bank holding company and stock bank

holding company, respectively, by acquiring

Bay State Savings Bank, Worcester,

Massachusetts, pursuant to sections 3(a)(1) and

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

1956, as amended.

1895 MHC

Newspaper:

Federal Register:

* 3A3 Not available

01/05/2007

Danvers Bancorp, Inc., Danvers,

Massachusetts to acquire BankMalden, A

Co-operative Bank, Malden, Massachusetts

pursuant to section 3(a)(3) of the BHC Act.

DANVERS BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 12/22/2006

Application by Spencer MHC and Spencer

Mid-tier Holding Company, both of Spencer,

Massachusetts, to become a mutual bank

holding company and stock bank holding

company, respectively, by acquiring Spencer

Savings Bank, Spencer, Massachusetts,

pursuant to sections 3(a)(1) and 3(a)(3) of the

Bank Holding Company Act of 1956, as

amended.

Spencer 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 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 December 30, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

Notice by Calyon, Paris, France for approval 01/18/2007

from the Board of Governors of the Federal

Reserve System to establish an agency in

Miami, Florida through the transfer of the

activities of the existing Miami agency of its

affiliate, Credit Lyonnais, Paris, France,

pursuant to Section 211.24(a)(2)(i)(A) of

Regulation K.

CALYON

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 01/05/2007

Buffalo, New York request to open and occupy

a limited branch to be opened in the Park and

ride lot on Millpond Parkway, Village of

Monroe, Orange County, New York.

MANUFACTURERS AND

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 01/12/2007

Buffalo, New York request to open and occupy

a limited branch at 2270 Erin Court,

Lancaster, Lancaster County, Pennsylvania.

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 December 30, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

Not available

Community Banks, Inc., Harrisburg, PA, to

acquire 100% of the voting shares of BUCS

Financial Corp., Owings Mills, MD.

COMMUNITY BANKS, 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 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 December 30, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Jerry D. Greer to gain control of

Cumberland Valley Financial Corporation,

London, Kentucky, and indirectly gain control

of Cumberland Valley National Bank & Trust

CUMBERLAND VALLEY

FINANCIAL CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Jerry D. Greer and Garth Rex Greer

to gain control of, First National Financial

Corporation, Manchester, Kentucky, and

indirectly gain control of First National Bank,

Manchester, Kentucky

FIRST NATIONAL FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A5 Not available

01/26/2007

Park National Corporation, Newark, Ohio, to

acquire 100 percent of Vision Bancshares, Inc.,

Panama City, Florida, and thereby indirectly

acquire Vision Bank, Gulf Shores, Alabama,

and Vision Bank, Panama City, Florida

PARK NATIONAL

CORPORATION

* 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 December 30, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 01/21/2007

01/26/2007

Bank of America Corporation, Charlotte,

North Carolina, to acquire 100% of the voting

securities of U.S. Trust Corporation, New

York, New York, and thereby indirectly

acquire United States Trust Company, National

Association, New York, New York.

BANK OF AMERICA

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

CommerceFirst Bank, Annapolis, Maryland, 01/15/2007

proposes to establish a branch at 485 Ritchie

Highway, Severna Park, Maryland.

COMMERCEFIRST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fidelity & Trust Bank, Bethesda, Maryland, 01/29/2007

proposes to establish a branch at 130 Rollins

Avenue, Unit 130, Rockville, Maryland.

FIDELITY & TRUST BANK

Newspaper:

Federal Register:

* 3A3

* 18C

* Branch

01/06/2007

01/16/2007

Sandy Spring Bancorp, Inc., Olney, Maryland,

to acquire 100% of the voting securities of

Potomac Bank of Virginia, Fairfax, Virginia.

SANDY SPRING BANCORP,

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 December 30, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Anchor Commercial Bank, Juno Beach,

Florida, to become a member of the Federal

Reserve System.

ANCHOR COMMERCIAL

BANK

Newspaper:

Federal Register:

FBSEA

Not applicable

Caixa de Aforros de Vigo, Ourense e 01/13/2007

Pontevedra, Vigo, Spain, to convert an

international agency to a branch office in

Miami, Florida.

CAIXA DE AFORROS DE

VIGO, OURENSE E

PONTEVEDRA

Newspaper:

Federal Register:

* 3A5 01/21/2007

01/29/2007

CenterState Banks of Florida, Inc., Winter

Haven, Florida, to merge with Valrico

Bancorp, Inc., and thereby acquire its

subsidiary, Valrico State Bank, both of Valrico,

Florida.

CENTERSTATE BANKS OF

FLORIDA, INC.

Newspaper:

Federal Register:

* 3A1 01/21/2007

01/22/2007

FineMark Holdings, Inc., Fort Myers, Florida,

to become a bank holding company by

acquiring 100 percent of the outstanding shares

of FineMark National Bank & Trust, Fort

Myers, Florida (in organization).

FINEMARK HOLDINGS, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

First Citrus Bancorporation, Inc., Tampa,

Florida, notice to become a bank holding

company by acquiring 100 percent of the

outstanding shares of First Citrus Bank,

Tampa, Florida.

FIRST CITRUS

BANCORPORATION, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to estabish a 01/05/2007

branch loaced at 101 Howland Boulevard,

Deltona, Florida, to be known as the Deltona

Wal-Mart Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to estblish 01/04/2007

branches at the following locations: 1850 SW

Gatlin Boulevard, Port St. Lucie, Florida, to be

known as the Gatlin Boulevard Wal-Mart

Office; and 8500 North Wickham Road, Viere,

Florida, to be known as the Viera Wal-Mart

Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 01/06/2007

a branch located at 980 Birmingham Road,

Alpharetta, Georgia, to be known as the

Birmingham Village Office.

SUNTRUST 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 December 30, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Capitol Bancorp, Ltd., Lansing, Michigan and

Capitol Development Bancorp Limited VI,

Lansing, Michigan, to acquire 51 percent of

the voting shares of Sunrise Community Bank

(in organization), Palm Desert, California.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 12/26/2006

a branch facility to be located at 8830 Spring

Cypress Road, Spring, Harris County, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 12/23/2006

a branch facility to be located at 1412 N.

Rochester Road, Rochester Hills, Oakland

County, Michigan.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 12/23/2006

a branch facility to be located at 25950 Pontiac

Trail, South Lyon, Oakland County, Michigan.

COMERICA BANK

Newspaper:

Federal Register:

* 3A5 01/04/2007

01/16/2007

First Busey Corporation, Urbana, Illinois, to

merge with Main Street Trust, Inc.,

Champaign, Illinois, and thereby indirectly

acquire Main Street Bank & Trust,

Champaign, Illinois.

FIRST BUSEY CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

01/26/2007

Lotus Bancorp, Inc., Novi, Michigan, to

become a bank holding company by acquiring

100 percent of the voting shares of Lotus Bank

(in organization), Novi, Michigan.

LOTUS BANCORP, INC.

Newspaper:

Federal Register:

* 3A5 Not available

01/22/2007

Marshall & Ilsley Corporation, Milwaukee,

Wisconsin, to acquire 100 percent of the

outstanding capital stock of United Heritage

Bankshares of Florida, Inc., Orlando, Florida,

and thereby indirectly acquire United Heritage

Bank, Orlando, Florida.

MARSHALL & ILSLEY

CORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

12-day Notice - Metropolitan Capital Bancorp,

Inc., Chicago, Illinois, to engage de novo in

extending credit and servicing loans.

METROPOLITAN CAPITAL

BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Millennium Bancorp, Inc., Morton Grove,

Illinois, to become a bank holding company by

acquiring 100 percent of the voting shares of

Milllennium Bank (in organization), Des

Plaines, Illinois.

MILLENNIUM BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

01/05/2007

Notification by Thomas M. Marcuccilli and

James C. Marcuccilli, both of Fort Wayne,

Indiana and their immediate families to retain

control of 18.5 percent of the outstanding

shares of STAR Financial Group, Inc., Fort

Wayne, Indiana, and indirectly STAR

Financial Bank, Fort Wayne, Indiana.

STAR FINANCIAL GROUP,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Warren Bank, Warren, Michigan, to establish 12/20/2006

a branch facility to be located at 55101 Shelby

Road, Shelby Township, Michigan.

WARREN BANK

* 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 December 30, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 01/31/2007

01/26/2007

Enterprise Financial Services Corp., Clayton,

Missouri, to acquire 100 percent of Clayco

Banc Corporation, DeSoto, Kansas, and

thereby indirectly acquire Great American

Bank, DeSoto, Kansas.

ENTERPRISE FINANCIAL

SERVICES CORP

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Stifel Financial Corp., St. Louis, Missouri, to

become a bank holding company by acquiring

100 percent of First Service Financial

Company, St. Louis, Missouri, and thereby

indirectly acquire FirstService Bank,

Crestwood, Missouri.

STIFEL FINANCIAL CORP.

* 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 December 30, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 01/17/2007

01/18/2007

Notice by David A. Eickhoff, Adrian,

Minnesota, to gain control of Adrian Building

Corporation, Adrian, Minnesota, and thereby

indirectly gain control of Adrian State Bank,

Adrian, Minnesota.

ADRIAN BUILDING

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

01/08/2007

First National Financial Services, Inc., Elk

River, Minnesota to acquire 100 percent of

Maple Lake Bancorporation, Edina, Minnesota

and thereby indirectly acquire Security State

Bank of Maple Lake, Maple Lake, Minnesota.

FIRST NATIONAL FINANCIAL

SERVICES INC.

Newspaper:

Federal Register:

* 3A3 Not available

01/16/2007

First Sleepy Eye Bancorporation, Inc., Sioux

Falls, South Dakota to acquire 100 percent of

Lake Benton Bancorporation, Inc., Sioux Falls,

South Dakota and thereby indirectly acquire

First Security Bank-Lake Benton, Lake

Benton, Minnesota.

FIRST SLEEPY EYE

BANCORPORATION, INC.

Newspaper:

Federal Register:

CIC Not available

01/08/2007

Notice by Harley Allen Hanson, Mahnomen,

Minnesota, to gain control of Mahnomen

Bancshares, Inc., Mahnomen, Minnesota, and

thereby indirectly gain control of First National

Bank in Mahnomen, Mahnomen, Minnesota.

MAHNOMEN BANCSHARES,

INC.

Newspaper:

Federal Register:

CIC Not available

01/16/2007

Notice by Dan L. Rorvig, McVille, North

Dakota; Teresa L. Rorvig, McVille, North

Dakota; Robert J. Fossum, Forest River, North

Dakota; and Troy D. Olson, Cooperstown,

North Dakota, acting as a group in concert to

gain control of McVille Financial Services,

Inc., McVille, North Dakota, and thereby

indirectly gain control of Mcville State Bank,

McVille, North Dakota.

MCVILLE FINANCIAL

SERVICES, INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending December 30, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

01/12/2007

Blue Valley Ban Corp., to acquire 100 percent

of the voting shares of Unison Bancorp, Inc.,

parent Western National Bank, both of Lenexa,

Kansas.

BLUE VALLEY BAN CORP.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Columbian Financial Corporation, Overland

Park, Kansas, to acquire 100 percent of the

voting shares of The Bank, Weatherford,

Texas.

COLUMBIAN FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, Ault, Colorado, to establish a 01/05/2007

branch at 713 South LeMay, Fort Collins,

Colorado.

FARMERS BANK

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Farmers Bank of Lincoln, Lincoln, Missouri,

to increase its investment in bank premises in

the amount of $69,725.

FARMERS BANK OF LINCOLN

Newspaper:

Federal Register:

CIC Not available

01/18/2007

Notice by David E. Pfrang, Goff, Kansas, and

Judy L. Georg, Sabetha, Kansas, to become

members of a group acting in concert, to

acquire control of Farmers State Bankshares,

Inc., parent of Farmers State Bank, both in

Circleville, Kansas.

FARMERS STATE

BANKSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

01/08/2007

Notification by Lynda L. Cameron,

Wellington, Florida, to acquire control of First

Fidelity Bancorp, Inc., parent of First Fidelity

Bank, N.A., both in Oklahoma City,

Oklahoma.

FIRST FIDELITY BANCORP,

INC.

Newspaper:

Federal Register:

* 3A3 01/03/2007

12/28/2006

First Fidelity Bancorp, Inc., Oklahoma City,

Oklahoma, to acquire 100 percent of the voting

shares of Western Security Holding Co., Ltd.,

parent of Western Security Bank, both of

Scottsdale, Arizona.

FIRST FIDELITY BANCORP,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

* 18C

* Branch

01/05/2007

First State Bancorporation, Albuquerque, New

Mexico, to acquire 100 percent of the voting

shares of Front Range Capital Corporation,

parent of Heritage Bank, both in Louisville,

Colorado. First Community Bank, Taos, New

Mexico, to merge with Heritage Bank,

Louisville, Colorado, and incident thereto, to

establish thirteen branches at 2775 Pearl Street

and 1900 Ninth Street, both in Boulder; 811

South Public Road and 2695 North Park Drive,

Suite 101, both in Lafayette; 1543 Wazee

Street and 3850 York Street, both in Denver;

1020 Century Drive and 801 Main Street, both

in Louisville; Erie, Broomfield, Longmont,

Niwot, and Firestone, all in Colorado.

FIRST STATE

BANCORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

First State Bank, Picher, Oklahoma, to 12/22/2006

establish a branch at 101 North Mickey Mantle

Boulevard, Commerce, Oklahoma.

FIRST STATE BANK

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

Federal Reserve Bank of Kansas City

Filings received during the week ending December 30, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

01/29/2007

Frontier Holdings, LLC, Omaha, Nebraska, to

acquire 100 percent of the voting shares of

Pender State Bank, Pender, Nebraska. Frontier

Management, LLC, Omaha, Nebraska, to

acquire 100 percent of the voting shares of

Pender State Bank, Pender, Nebraska, by virtue

of its control of the affairs of Frontier

Holdings, LLC, Omaha, Nebraska.

FRONTIER HOLDINGS, LLC

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Nodaway Valley Bancshares, Inc., Maryville,

Missouri, to acquire 100 percent of the voting

shares of Exchange Bank, Mound City,

Missouri.

NODAWAY VALLEY

BANCSHARES, 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 December 30, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 December 30, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Franklin Resources, Inc., San Mateo,

California, to retain control of 24.4 percent of

First Chicago Bancorp, and thereby indirectly

retain control of its subsidiary, First Chicago

Bank & Trust, both of Chicago, Illinois.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

CIC Not available

01/03/2007

Notice by Stuart J. Shelk, Jr., Linda S. Shelk,

Clark J. Shelk Trust UA, Anne Marie Shelk

Trust UA, and John B. Shelk Trust UA, Powell

Butte, Oregon, to increase their ownership to

10.58 percent, collectively, in Prineville

Bancorporation and thereby indirectly control

its subsidiary, Community First Bank, both of

Prineville, Oregon.

PRINEVILLE

BANCORPORATION

* 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