Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 30 

Week Ending July 28, 2007

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

Fair Lending and the Home Mortgage Disclosure Act -- statement by Sandra F. 

Braunstein, Director, Division of Consumer and Community Affairs, before the 

Subcommittee on Oversight and Investigations, House Committee on Financial 

Services.

- Published, July 25, 2007

Board Operations

Division of Information Technology -- appointment of Maureen Hannan as 

Director and Marianne Emerson as a Senior Adviser, effective August 5, 2007.

- Approved, July 20, 2007

(A/C)

Enforcement

Asian Bank, Philadelphia, Pennsylvania, and Asian Financial Corporation -- 

issuance of a consent order of prohibition and order of assessment of civil money 

penalty against Josephine Wang, a former institution-affiliated party.

- Announced, July 25, 2007

H.2 Board Actions July 22, 2007 to July 28, 2007

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operational and Payment System

IF International Finance

OSDM Office of Staff Director for Management

July 22, 2007 to July 28, 2007

Bank Branches, Domestic

The Andover Bank, Andover, Ohio -- to establish a branch at 100 South Chestnut 

Street, Jefferson, and request to exceed the limit of investment in bank premises.

Cleveland

- Approved, July 27, 2007

Grundy Bank, Morris, Illinois -- to establish a branch at 2650 East Division Street, 

Diamond.

Chicago

- Approved, July 27, 2007

Lawrenceburg Bank and Trust Company, Lawrenceburg, Kentucky -- to establish a 

new main office at 128 South Main Street, Lawrenceburg, and to convert the existing 

main office at 838 North College Street, Harrodsburg, to a branch.

St. Louis

- Approved, July 25, 2007

RBC Centura Bank, Raleigh, North Carolina -- to establish a branch at 63 South 

Royal Street, Mobile, Alabama.

Richmond

- Approved, July 26, 2007

Regions Bank, Birmingham, Alabama -- to establish a branch at 260 Brookstone 

Centre Parkway, Columbus, Georgia.

Atlanta

- Approved, July 24, 2007

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

SmartBank, Pigeon Forge, Tennessee -- to establish a branch at 1011 Parkway, 

Sevierville.

Atlanta

- Approved, July 27, 2007

Susquehanna Patriot Bank, Marlton, New Jersey -- to establish a branch at 301 West 

Lancaster Avenue, Wayne, Pennsylvania.

Philadelphia

- Approved, July 27, 2007

Bank Holding Companies

BancTrust Financial Group, Inc., Mobile, Alabama -- to merge with The Peoples 

BancTrust Company, Inc., Selma, and thereby acquire The Peoples Bank and Trust 

Company.

Secretary

- Approved, July 27, 2007

BOC Holdings Corporation, Fort Worth, Texas -- to become a bank holding company 

and to acquire Crowley Holding Company, Cowley, and The Bank of Crowley.

Dallas

- Approved, July 24, 2007

BTBS, Inc., Collierville, Tennessee -- to become a bank holding company and to 

acquire BankTennessee.

St. Louis

- Approved, July 24, 2007

H.2 Actions under delegated authority July 22, 2007 to July 28, 2007

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

First Horizon National Corporation, Memphis, Tennessee, and First Tennessee Bank 

National Association -- to acquire Centerville State Bank, Centerville, Kansas.

St. Louis

- Approved, July 24, 2007

First State Bancshares, Inc., Farmington, Missouri -- to acquire Progress Bancshares, 

Inc., Sullivan, and Progress Bank of Missouri; and for Progress Acquisition 

Corporation to become a bank holding company and to acquire Progress Bank of 

Missouri.

St. Louis

- Approved, July 26, 2007

HarVest Bancorp, Inc., Rockville, Maryland -- to become a bank holding company 

and to acquire HarVest Bank of Maryland.

Richmond

- Approved, July 24, 2007

Mutual of Omaha Insurance Company, Omaha, Nebraska, and Omaha Financial 

Holdings, Inc. -- waiver of application to acquire Midlands Financial Services, Inc. in 

connection with the merger of their subsidiaries, Mutual of Omaha Bank and 

Nebraska State Bank of Omaha.

Kansas City

- Granted, July 27, 2007

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

to acquire Synergy Financial Group, Inc., Cranford, New Jersey, in connection with 

the merger of their subsidiaries, Synergy Bank and New York Community Bank, 

Westbury, New York.

New York

- Granted, July 26, 2007

H.2 Actions under delegated authority July 22, 2007 to July 28, 2007

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

Solera National Bancorp, Inc., Lakewood, Colorado -- to become a bank holding 

company and to acquire Solera National Bank, a de novo bank.

Kansas City

- Approved, July 27, 2007

Southside Bancshares, Incorporated, Tyler, Texas -- to acquire Fort Worth 

Bancshares, Inc., Fort Worth, and Fort Worth National Bank.

Dallas

- Approved, July 24, 2007

WCB Holdings, Inc., Woodland Hills, California -- to become a bank holding 

company and to acquire Western Commercial Bank.

San Francisco

- Approved, July 25, 2007

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

Intercontinental Bank Shares Corporation, San Antonio, Texas, and its subsidiaries, 

Intercontinental Bank Shares Corporation of Delaware, Wilmington, Delaware, and 

Intercontinental National Bank, San Antonio, Texas, in connection with the merger 

of Intercontinental National Bank and Zions Bancorporation's subsidiary, Amegy 

Bank, National Association, Houston.

Secretary

- Granted, July 27, 2007

H.2 Actions under delegated authority July 22, 2007 to July 28, 2007

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

Union Bank and Trust Company, Bowling Green, Virginia -- to acquire certain assets 

and assume certain liabilities of the Charlottesville branch of Provident Bank of 

Maryland, Baltimore, Maryland.

Richmond

- Approved, July 25, 2007

Change In Bank Control

Farmers Bancorp Inc., Blytheville, Arkansas -- change in bank control.

St. Louis

- Permitted, July 27, 2007

Sauk Centre Financial Services, Inc., Sauk Centre, Minnesota -- change in bank 

control.

Minneapolis

- Permitted, July 26, 2007

Currency

Federal Reserve Notes -- letter confirming request for printing of notes during the 

fiscal year ending September 30, 2008.

Director, RBOPS

- Approved, July 24, 2007

Extensions Of Time

Bank of Evansville, Evansville, Indiana -- extension to January 15, 2008, to establish 

a branch at 515 Dixie Lane.

St. Louis

- Granted, July 24, 2007

H.2 Actions under delegated authority July 22, 2007 to July 28, 2007

(A/C) = Addition or Correction Delegated - 5 of 7
Extensions Of Time

Compass Bank, Birmingham, Alabama -- extension to September 19, 2008, to 

establish branches at the intersections of: Taylor and Vaughn Roads, Montgomery; 

West Magee Road and North LaCholla Boulevard, Tucson, Arizona; Central Avenue 

East and Tramway Boulevard Northeast, Albuquerque, New Mexico; Highway 287 

and Bailey Boswell Road, Fort Worth, Texas; and Bandera and Grissom Roads, San 

Antonio.

Atlanta

- Granted, July 23, 2007

Layton Park Financial Group, Inc., Milwaukee, Wisconsin -- extension to October 

30, 2007, to become a bank holding company and to acquire Layton State Bank, and 

to engage de novo in extending credit and servicing loans.

Chicago

- Granted, July 27, 2007

SuffolkFirst Bank, Suffolk, Virginia -- extension to November 25, 2007, to establish 

a branch at Out-parcel #4, Hill Shopping Center, Bennet's Creek Crossing.

Richmond

- Granted, July 25, 2007

International Operations

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

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

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

investments from the general consent limit under Regulation K.

Director, BS&R

- Granted, July 23, 2007

H.2 Actions under delegated authority July 22, 2007 to July 28, 2007

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

JPMorgan Chase & Co., New York, New York -- modification of the aggregate 

investment limit under Regulation K.

Director, BS&R

- Granted, July 26, 2007

Membership

Susquehanna Bank DV, Bryn Mawr, Pennsylvania (formerly Susquehanna Patriot 

Bank, Marlton, New Jersey) -- to become a member of the Federal Reserve System.

Philadelphia

- Approved, July 26, 2007

H.2 Actions under delegated authority July 22, 2007 to July 28, 2007

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

Federal Reserve Bank of Boston

Filings received during the week ending July 28, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 July 28, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 07/25/2007

07/30/2007

The Adirondack Trust Company Employee 

Stock Ownership Trust, Saratoga Springs, New 

York, to acquire fifty additional shares of 473 

Broadway Holding Corporation and to acquire 

one thousand additional shares of The 

Adirondack Trust Company, both of Saratoga 

Springs, New York.

ADIRONDACK TRUST 

COMPANY EMPLOYEE STOCK 

OWNERSHIP TRUST, THE

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:

FBSEA Not available

Not applicable

BNP Paribas, Paris, France ("BNPP") requests 

approval pursuant to 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 

("BNL").

BNP PARIBAS

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citibank Overseas Investment Corporation, New 

Castle, Delaware, ("COIC") on behalf of its 

wholly owned subsidiaries, Citigroup Asia 

Pacific Holding Corporation, New Castle, 

Delaware and Citigroup Holding (Singapore) 

Private Limited, Singapore requests a waiver 

from the aggregate investment limit in Section 

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

CITIBANK OVERSEAS 

INVESTMENT CORPORATION

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Prior Notice by The Governor and Company of 

the Bank of Scotland ("BOS"), Edinburgh, 

Scotland, to establish, pursuant to the 

International Banking Act of 1978, the branch 

currently maintained by BOS' subsidiary, HBOS 

Treasury Services plc, London, England, in New 

York, New York, in connection with an internal 

reorganization.

GOVERNOR AND COMPANY OF 

THE BANK OF SCOTLAND, THE

* 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 July 28, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Susquehanna Bank PA, Lititz, PA, to merge with 

CommunityBanks, Millersburg, PA.

SUSQUEHANNA BANK PA

Newspaper:

Federal Register:

* Branch

Not applicable

Susquehanna Patriot Bank, Marlton, NJ, 06/03/2007

proposes to establish a branch office located at 

301 West Lancaster Avenue, Wayne, PA.

SUSQUEHANNA PATRIOT 

BANK

* 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 July 28, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending July 28, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Blue Ridge Financial Corporation, Walhalla, 

South Carolina, to become a bank holding 

company by acquiring 100% of Blue Ridge Bank 

of Walhalla, Walhalla, South Carolina.

BLUE RIDGE FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

TruPoint Bank, Grundy, Virginia, proposes to 08/03/2007

establish a branch at 1320 Governor George C. 

Perry Highway, Pounding Mill, Virginia.

TRUPOINT BANK

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending July 28, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

FBC Bancorp, Inc., Orlando, Florida to acquire 

100 percent of the outstanding shares of Prime 

Bank, Melbourne, Florida.

FBC BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Gulf Coast Bancshares, Inc., Abbeville, 

Louisiana, after-the-fact change in control 

notification by the CAP Voting Trust, Lafayette, 

Louisiana (the Trust); Patrick Oswell Patout, 

Abbeville, Louisiana, Paul D. Patout, 

Youngsville, Louisiana, and Raymond Paul 

Patout, Lafayette, Louisiana, as trustees of the 

Trust; Rae Meng Patout, Raymond Paul Patout, 

Barbara Rae Patout Landry, and Mary E. Patout 

Lacour, all of Lafayette, Louisiana; David 

Joseph Patout and Charles Arthur Patout, Jr., 

both of Baton Rouge, Louisiana; Patrick Oswell 

Patout, Abbeville, Louisiana; and Paul D. 

Patout, Youngsville, Louisiana; to collectively 

retain 24.85 percent of the outstanding shares of 

Gulf Coast Bancshares, Inc., and its subsidiary, 

Gulf Coast Bank, both of Abbeville, Louisiana.

GULF COAST BANCSHARES, 

INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Madison Community Bancshares Corporation, 

notice to become a bank holding company by 

acquiring 100 percent of the outstanding shares 

of Madison County Community Bank, both of 

Madison, Florida.

Madison Community Bancshares 

Corporation

Newspaper:

Federal Register:

* Branch

Not applicable

Old Southern Bank, Orlando, Florida, to 08/03/2007

establish a branch located at 1200 Hillcrest 

Street, Suite 102, Orlando, Florida, to be known 

as the Colonial Town Office.

OLD SOUTHERN BANK

Newspaper:

Federal Register:

CIC 08/01/2007

08/14/2007

Red River Bancshares, Inc., Alexandria, 

Louisiana, after-the-fact change in control 

notice filed by the John Charles Simpson, Jr., 

Trust; the Angela Katherine Simpson Trust (the 

Trusts); Simeon A. Thibeaux, Jr., as trustee of 

the Trusts, all of Alexandria, Louisiana; and 

John C. Simpson, New Orleans, Louisiana, to 

retain control of 18.48 percent of the 

outstanding shares of Red River Bancshares, 

Inc., and its subsidiary bank, Red River Bank, 

both of Alexandria, Louisiana, and prior 

notification by the Trusts, Simeon Thibeaux, Jr., 

and John Simpson (the Group) to collectively 

acquire an additional 13.89 percent of the 

outstanding shares of Red River Bancshares, 

Inc., and Red River Bank. The Group's pro 

forma collective ownership is 32.37 percent.

RED RIVER BANCSHARES, INC.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 July 28, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/03/2007

08/06/2007

Notice by David A. Davis, Muskego, 

Wisconsin, to acquire up to 14 percent of the 

outstanding common stock of Capital Commerce 

Bancorp, Inc., Milwaukee, Wisconsin, and 

thereby indirectly acquire control of MW Bank, 

Milwaukee, Wisconsin.

CAPITAL COMMERCE 

BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Green Lake State Bank, Green Lake, Wisconsin, 08/10/2007

to establish a branch facility to be located at the 

intersection of Hwy 23 and Rickmeyer Drive, 

Fond du Lac, Wisconsin.

GREEN LAKE STATE BANK

Newspaper:

Federal Register:

* 3A1 Not available

4c8 08/24/2007

Greenwoods Financial Group, Inc., Rio, 

Wisconsin, to become a bank holding company 

by acquiring 100 percent of the voting shares of 

Greenwood's Bancorporation, Inc., Lake Mills, 

Wisconsin, and thereby indirectly acquire 

Greenwoods State Bank, Lake Mills, Wisconsin, 

and to engage in insurance agency activities 

through the acquisition of The Greenwood's 

Financial Services, Inc., Lake Mills, Wisconsin.

GREENWOODS FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch

Member

Not applicable

Independent Bank, Bay City, Michigan, to 

merge with Independent Bank East Michigan, 

Troy, Michigan, Independent Bank South 

Michigan, East Lansing, Michigan, and 

Independent Bank West Michigan, Grand 

Rapids, Michigan, and thereby to establish 92 

branches, and the related application by 

Independent Bank, Bay City, Michigan, to 

become a member of the Federal Reserve 

System.

INDEPENDENT BANK

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:

* 4c8 Not available

08/10/2007

PrivateBancorp, Inc., Chicago, Illinois, to 

acquire at least 81 percent of the voting shares 

of The PrivateBank, Kansas City, Missouri (in 

organization), and thereby operate a federal 

savings bank.

PRIVATEBANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Sidney Bancorp., Sidney, Michigan, to become 

a bank holding company by acquiring 100 

percent of the voting shares of Sidney State 

Bank, Sidney, Michigan.

Sidney Bancorp.

Newspaper:

Federal Register:

* 3A5 Not available

08/17/2007

Southern Michigan Bancorp, Inc., Coldwater, 

Michigan, to merge with FNB Financial 

Corporation, Three Rivers, Michigan, and 

thereby indirectly acquire First National Bank of 

Three Rivers, Three Rivers, Michigan.

SOUTHERN MICHIGAN 

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

 2939038 AMES CMNTY BK, AMES, IOWA 03/05/2007 07/03/2007 S Small Bank

 269049 CITY ST BK, OGDEN, IOWA 03/12/2007 06/19/2007 S Small Bank

 60545 HOME T&SB, OSAGE, IOWA 03/26/2007 07/02/2007 S Small Bank

 157744 LINDEN ST BK, LINDEN, INDIANA 04/02/2007 07/16/2007 S Small Bank

 382742 OSB CMNTY BK, BROOKLYN, MICHIGAN 03/19/2007 07/05/2007 S Small Bank

 68840 UNION B&TC, EVANSVILLE, WISCONSIN 03/26/2007 06/29/2007 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending July 28, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 08/16/2007

08/20/2007

Central Bancompany, Inc., Jefferson City, 

Missouri, to acquire 100 percent of Millstadt 

Bancshares, Inc., Millstadt, Illinois, and thereby 

indirectly acquire First National Bank of 

Millstadt, Millstadt, Illinois.

CENTRAL BANCOMPANY

Newspaper:

Federal Register:

CIC

Not available

Notice by the Irrevocable Trust of Doyle W. 07/09/2007

Rogers, Sr. and Josephine Raye Rogers, with 

Barbara R. Hoover and Doyle W. Rogers, Jr. as 

trustees, in concert with Doyle W. Rogers, Sr., 

all of Batesville, Arkansas, to increase control of 

Citizens Bancshares of Batesville, Inc., 

Batesville, Arkansas.

CITIZENS BANCSHARES OF 

BATESVILLE, INC.

Newspaper:

Federal Register:

* 3A3 08/19/2007

08/13/2007

Cross County Bancshares, Inc., Wynne, 

Arkansas, to retain its existing ownership 

interest of up to 6.88 percent of Pinnacle 

Bancshares, Inc., Bentonville, Arkansas, and 

thereby retain its indirect ownership of Pinnacle 

Bank, Bentonville, Arkansas.

CROSS COUNTY BANCSHARES, 

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Exchange Bank of Northeast Missouri, Kahoka, 08/03/2007

Missouri, to establish a branch facility to be 

located at 304 East Grand Avenue, Memphis, 

Missouri.

EXCHANGE BANK OF 

NORTHEAST MISSOURI

Newspaper:

Federal Register:

CIC 08/19/2007

08/15/2007

Notice by Harry Roberts, individually, and The 

Roberts Group, Owensboro, Kentucky, to gain 

control of First Security, Inc., Owensboro, 

Kentucky. The Roberts Group consists of 

Harry Roberts, Willa Roberts, Harry L. Roberts 

and Sherry Turner, all of Owensboro, Kentucky.

FIRST SECURITY, INC.

Newspaper:

Federal Register:

* 3A3 08/17/2007

08/09/2007

Lonoke Bancshares, Inc., Lonoke, Arkansas, to 

retain its existing ownership interest of up to 

6.88 percent of Pinnacle Bancshares, Inc., 

Bentonville, Arkansas, and thereby retain its 

indirect ownership of Pinnacle Bank, 

Bentonville, Arkansas.

LONOKE 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 July 28, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

08/17/2007

Dakota Financial, Inc., Alexandria, Minnesota, 

to become a bank holding company by 

acquiring 100 percent of the State Bank of 

Marietta, Marietta, Minnesota.

DAKOTA FINANCIAL INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First Community Bank, Glasgow, Montana, to 08/22/2007

establish a branch facility to be located at 2150 

Amsterdam Road, Belgrade, Montana.

FIRST COMMUNITY BANK

Newspaper:

Federal Register:

* 3A1 07/21/2007

08/06/2007

John T. Vucurevich Foundation, Rapid City, 

South Dakota, to become a bank holding 

company by acquiring control of 84.48% of the 

Class B common stock and 11.85% of the Class 

A common stock of United Bancorporation, 

Osseo, Wisconsin, and thereby indirectly 

acquire United Bank, Osseo, Wisconsin; 

Cambridge State Bank, Cambridge, Wisconsin; 

Lincoln County Bank, Merrill, Wisconsin; Bank 

of Poynette, Poynette, Wisconsin; Clark County 

State Bank, Osceola, Iowa; Farmers State Bank, 

Stickney, South Dakota; and Farmers & 

Merchants State Bank, Iroquois, South Dakota.

JOHN T. VUCUREVICH 

FOUNDATION

* 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

 153054 NORTHWESTERN BK, CHIPPEWA FALLS, WISCONSIN 04/09/2007 07/24/2007 O Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending July 28, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

08/27/2007

Community State Bankshares, Inc. to become a 

bank holding company through the acquisition 

of 100 percent of the voting shares of 

Community State Bank (in organization), both in 

Lamar, Colorado.

COMMUNITY STATE 

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

 888253 1ST BK, EVANSTON, WYOMING 04/02/2007 07/18/2007 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending July 28, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 08/17/2007

08/20/2007

A.N.B. Holding Company, Ltd., Terrell, Texas, 

and The ANB Corporation, Terrell, Texas, to 

acquire 100 percent of Bryant-Irvin Bancshares, 

Inc., Benbrook, Texas, and indirectly acquire 

Bryant Irwin Delaware Corporation, Dover, 

Delaware, and Citizens National Bank, Fort 

Worth, Texas.

A.N.B. HOLDING COMPANY, 

LTD.

Newspaper:

Federal Register:

CIC 08/08/2007

08/09/2007

Notice by Ms. Bobbie Sue Mathieu, Monroe, 

Louisiana, to acquire up to 13.71 percent 

interest in Delhi Bancshares, Inc., Delhi, 

Louisiana, and indirectly acquire Guaranty Bank 

& Trust Company of Delhi, Delhi, Louisiana.

DELHI BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Legend Bancorp, Inc., Bowie, Texas, to acquire 

by merger Bonstate Bancshares, Inc., Bonham, 

Texas, and indirectly acquire Bonham Financial 

Services, Inc., Dover, Delaware, and Bonham 

State Bank, Bonham, Texas.

LEGEND BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Mineola Community Mutual Holding Company, 

Mineola, Texas, and Mineola Community 

Financial Group, Inc., Mineola, Texas, to 

become bank holding companies by acquiring 

100 percent of Mineola Community Bank, S.S.B., 

Mineola, Texas.

Mineola Community Mutual 

Holding Company

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 July 28, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Pacific Commerce Bank, N.A., Los Angeles, 

California, to become a member of the Federal 

Reserve System.

PACIFIC COMMERCE BANK, 

NATIONAL ASSOCIATION

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

W.T.B. Financial Corporation, Spokane, 

Washington, to retroactively acquire shares of 

IT-Lifeline, Inc., Liberty Lake, Washington; 

NextSentry Corporation, Spokane, Washington; 

and Lewis Investors, LLC, Seattle, Washington, 

pursuant to section 225.23(a)(1) of Regulation Y.

W.T.B. FINANCIAL 

CORPORATION

* 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

 191663 COUNTY BK, MERCED, CALIFORNIA 03/26/2007 07/20/2007 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act