Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 38 

Week Ending September 20, 2008

Board of Governors of the Federal Reserve System, Washington, DC 20551
Forms

Forms -- final Board review to extend without revision the recordkeeping and 

disclosure requirements of Regulation M (Consumer Leasing).

- Approved, September 18, 2008

Monetary and Financial Policy

System Liquidity Facilities -- enhancements to liquidity facilities by broadening the 

types of collateral eligible to be pledged at the Primary Dealer Credit Facility and the 

Term Securities Lending Facility.

- Approved, September 14, 2008

System Liquidity Facilities -- extension of nonrecourse loans at the primary credit 

rate to U.S. depository institutions and bank holding companies to finance their 

purchases of high-quality asset-backed commercial paper from money market mutual 

funds.

- Approved, September 19, 2008

System Liquidity Facility -- authorization for the Federal Reserve Bank of New York 

to lend up to $85 billion, secured by certain terms and conditions, to the American 

International Group, Inc. under section 13(3) of the Federal Reserve Act.

- Approved, September 16, 2008

Regulations And Policies

Asset-Backed Commercial Paper Purchases -- interim final rules with request for 

comment to provide temporary limited exemptions (until January 30, 2009, unless 

extended by the Board) from the Board's leverage and risk-based capital rules for 

bank holding companies and state member banks and from sections 23A and 23B of 

the Federal Reserve Act and Regulation W in connection with the purchases of 

high-quality asset-backed commercial paper from money market mutual funds.

- Approved, September 19, 2008

H.2 Board Actions September 14, 2008 to September 20, 2008

(A/C) = Addition or Correction Board - Page 1 of 2
Regulations And Policies

Equity Investments in Banks and Bank Holding Companies -- policy statement to 

clarify the Board's position on the types of minority equity investments in banks and 

bank holding companies that would not constitute "control" for purposes of the Bank 

Holding Company Act.

- Approved, September 19, 2008

Regulation W -- interim final rule with request for comment to provide a temporary 

exemption (until January 30, 2009, unless extended by the Board) from section 23A 

of the Federal Reserve Act and Regulation W to allow all insured depository 

institutions to provide liquidity to their affiliates for assets typically funded in the 

tri-party repurchase agreement market.

- Approved, September 14, 2008

Rules of Practice for Hearings -- amendment to increase the Board's civil money 

penalties to account for inflation, and determination that public comment and a 

delayed effective date for the amendment are unnecessary.

- Approved, September 19, 2008

Enforcement

First Georgia Community Corp., Jackson, Georgia, and First Georgia Community 

Bank -- written agreement with the Federal Reserve Bank of Atlanta and the Banking 

Commissioner of the State of Georgia.

- Announced, September 19, 2008

Hastings Bancorp, Inc., Hastings, Nebraska -- written agreement with the Federal 

Reserve Bank of Kansas City.

- Announced, September 17, 2008

H.2 Board Actions September 14, 2008 to September 20, 2008

(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 Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

September 14, 2008 to September 20, 2008

Bank Branches, Domestic

Bank of the James, Lynchburg, Virginia -- to establish a branch at 815 Main Street, 

Altavista.

Richmond

- Approved, September 17, 2008

First Interstate Bank, Billings, Montana -- to establish a branch at 1600 11th Avenue, 

Helena.

Secretary

- Approved, September 15, 2008

IBERIABANK, Lafayette, Louisiana -- to establish a branch at Fern Loop and 70th 

Street, Shreveport.

Atlanta

- Approved, September 15, 2008

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish branches at the 

intersections of Highway 152 and Northeast Flintlock Road, Kansas City, Missouri; 

South Moorland Boulevard and West National Avenue, New Berlin, Wisconsin; and 

Highway 36 and Norell Avenue North, Oak Park Heights, Minnesota.

Secretary

- Approved, September 18, 2008

Pacific State Bank, Stockton, California -- to establish a branch at 1547 East March 

Lane, Stockton.

San Francisco

- Approved, September 18, 2008

(A/C) = Addition or Correction Delegated - 1 of 6
Bank Branches, Domestic

Southwest Bank, Fort Worth, Texas -- to relocate its main office from 3737 

Southwest Loop 820, Fort Worth, to 4100 International Plaza, and to convert its 

former main office to a branch.

Dallas

- Approved, September 19, 2008

Southwest Bank, Fort Worth, Texas -- to establish a branch at 3707 Camp Bowie, 

Fort Worth.

Dallas

- Approved, September 19, 2008

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 3120 Ronald Reagan 

Boulevard, Cumming.

Secretary

- Approved, September 16, 2008

Bank Holding Companies

First Western Financial, Inc., Denver, Colorado -- to acquire First Western Trust 

Bank of Arizona (in organization), Scottsdale, Arizona.

Kansas City

- Approved, September 16, 2008

Forward Financial, Inc., Marshfield, Wisconsin -- waiver of application to acquire 

Withee Bank Shares, Inc., Withee, in connection with the merger of their respective 

subsidiaries, Marshfield Savings Bank, Marshfield, and State Bank of Withee, 

Withee.

Chicago

- Withdrawn, September 17, 2008

H.2 Actions under delegated authority September 14, 2008 to September 20, 2008

(A/C) = Addition or Correction Delegated - 2 of 6
Bank Holding Companies

Guernsey Bancorp, Inc., Columbus, Ohio -- to become a bank holding company and 

to acquire The Guernsey Bank, Worthington.

Cleveland

- Approved, September 18, 2008

Liberty Capital Bancshares, Inc., Addison, Texas -- to become a bank holding 

company and to acquire Liberty Capital Bank (in organization), Addison. 

Dallas

- Approved, September 17, 2008

MOW/RPW II, Ltd., Victoria, Texas -- to acquire shares of FVNB Corp, Victoria; 

FVNB Delaware Corp., Wilmington, Delaware; and First Victoria National Bank, 

Victoria, Texas.

Dallas

- Approved, September 19, 2008

NHB Holdings, Inc., Jacksonville, Florida, and Proficio Mortgage Ventures, LLC -- 

to engage de novo in conducting mortgage banking activities through a joint venture 

with Mainsail Capital, Jacksonville, and Trinity Venture Partners.

San Francisco

- Approved, September 18, 2008

Bank Mergers

Bank Independent, Sheffield, Alabama -- to merge with The Citizens Bank, Moulton, 

and thereby establish a branch.

Atlanta

- Approved, September 16, 2008

H.2 Actions under delegated authority September 14, 2008 to September 20, 2008

(A/C) = Addition or Correction Delegated - 3 of 6
Bank Premises

Luzerne Bank, Luzerne, Pennsylvania -- to increase its investment in bank premises.

Philadelphia

- Approved, September 17, 2008

Banks, State Member

First Community Bank of Eastern Arkansas, Marion, Arkansas -- to establish a 

financial subsidiary, FCB Insurance Services, Marion, and thereby engage in 

insurance activities.

St. Louis

- Approved, September 19, 2008

Change In Bank Control

Farmers Bancshares, Inc., Pomeroy, Ohio -- to retain control of Farmers.

Cleveland

- Permitted, September 18, 2008

FVNB Corp., Victoria, Texas -- change in bank control of FVNB and its subsidiary 

bank, First Victoria National Bank, Victoria.

Dallas

- Permitted, September 19, 2008

Extensions Of Time

First Southern Bancorp, Inc., Stanford, Kentucky -- extension to December 20, 2008, 

to acquire shares of CKF Bancorp, Inc., Danville.

Cleveland

- Granted, September 19, 2008

H.2 Actions under delegated authority September 14, 2008 to September 20, 2008

(A/C) = Addition or Correction Delegated - 4 of 6
Extensions Of Time

Gateway Pacific Bancorp, National City, California -- extension to December 16, 

2008, to become a bank holding company and to acquire Gateway Pacific Bank (in 

organization), National City.

San Francisco

- Granted, September 16, 2008

Hyde Park Bancorp, MHC, Hyde Park, Massachusetts -- extension to December 16, 

2008, to become a bank holding company in connection with the reorganization of 

Hyde Park Savings Bank, Hyde Park, into a mutual bank holding company structure.

Boston

- Granted, September 16, 2008

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to January 2, 2009, 

to establish a branch at Rogers Drive and Commerce Boulevard, Rogers, Minnesota.

Chicago

- Granted, September 17, 2008

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to January 2, 2009, 

to establish a branch at 135th Street and Fontana Avenue, Leawood, Kansas.

Chicago

- Granted, September 17, 2008

Virginia Business Bank, Richmond, Virginia -- extension to March 21, 2009, to 

establish a courier service to pick up deposits from customers.

Richmond

- Granted, September 19, 2008

H.2 Actions under delegated authority September 14, 2008 to September 20, 2008

(A/C) = Addition or Correction Delegated - 5 of 6
Financial Holding Companies 

Generations Bancorp, Inc., Pewaukee, Wisconsin -- election to become a financial 

holding company.

Chicago

- Effective, September 16, 2008

Nicolet Bankshares, Inc., Green Bay, Wisconsin -- election to become a financial 

holding company.

Chicago

- Effective, September 16, 2008

H.2 Actions under delegated authority September 14, 2008 to September 20, 2008

(A/C) = Addition or Correction Delegated - 6 of 6
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending September 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

09/24/2008

10/03/2008

Application by SIS Bancorp, MHC and SIS 

Bancorp, Inc., both of Sanford, Maine - to 

become a mutual bank holding company and 

stock bank holding company, respectively, by 

acquiring Sanford Institution for Savings, 

Sanford, Maine, pursuant to sections 3(a)(1) 

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

of 1956, as amended.

SIS BANCORP, MHC

* Subject to the provisions of the Community Reinvestment Act
District: 1

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Empire State Bank, N.A.,Newburgh, New York 

to become a member of the Federal Reserve 

System.

EMPIRE STATE BANK, 

NATIONAL ASSOCIATION

Newspaper:

Federal Register:

4c8 Not applicable

10/01/2008

EuroBancshares, Inc., San Juan, Puerto Rico to 

engage through its subsidiary, EUBK Securities, 

Inc.(in formation), San Juan, Puerto Rico, in 

securities brokerage and riskless-principal 

transactions, pursuant to Section 225.28(b)(7)

(i)and (ii) of Regulation Y.

EUROBANCSHARES, INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

ICICI Bank Limited, Mumbai, India, to establish 

representative offices in San Francisco and Los 

Angeles, California; Atlanta, Georgia; Chicago, 

Illinois; Edison, New Jersey; Houston, Texas 

and Washington D.C., pursuant to Section 

211.24(a)(2)(i)(B)(2) of Regulation K.

ICICI BANK LIMITED

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 09/27/2008

Buffalo, New York, requests to establish 

branches located at (i) 1322 East Gude Drive, 

Rockville, Montgomery County, Maryland and 

(ii) 7920 Norfolk Avenue, Bethesda, 

Montgomery County, Maryland.

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

 236706 PEAPACK GLADSTONE BK, GLADSTONE, NEW JERSEY 12/03/2007 09/04/2008 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending September 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending September 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Ohio Heritage Bank, Coshocton, OH to 09/24/2008

establish a branch at 1309 Fourth Street, N.W., 

New Philadelphia, OH.

OHIO HERITAGE BANK

* 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 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Heritage Bank, Norfolk, Virginia, proposes to 09/30/2008

establish a branch at 1756 Laskin Road, Virginia 

Beach, Virginia.

HERITAGE BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Virginia Business Bank, Richmond, Virginia, to 10/05/2008

establish a branch at 1317 Executive Boulevard, 

Suite 110, Chesapeake, Virginia, and to provide 

a courier service to pick up deposits from 

customers in Norfolk, Chesapeake, Virginia 

Beach, Portsmouth, and Suffolk, Virginia.

VIRGINIA BUSINESS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Virginia Commerce Bank, Arlington, Virginia, 09/26/2008

proposes to establish a branch at 6375 Multiplex 

Drive, Centreville, Virginia.

VIRGINIA COMMERCE BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Virginia Commerce Bank, Arlington, Virginia, 10/03/2008

proposes to establish a branch at Lot 5A 

Parcels A&B, Section 1 "Princeton Woods 

Shopping Center," Dumfries, Virginia.

VIRGINIA COMMERCE 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 September 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/28/2008

09/29/2008

Prior change in control notifice filed by Leslie D. 

Ligon, Jr., and Bertha G. Ligon, both of Clinton, 

Louisiana, to collectively acquire an additional 

1.79 percent of the outstanding shares of 

Clinton Bancshares, Inc., and its subsidiary, 

Landmark Bank, both of Clinton, Louisiana. Pro 

forma will equal 13.08 percent.

CLINTON BANCSHARES, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Southern States Bancshares,Inc., notice to 

become a bank holding company by acquiring 

100 percent of the outstanding shares of 

Southern States Bank, both of Anniston, 

Alabama.

SOUTHERN STATES 

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 September 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Reg. K - The Northern Trust International 

Banking Corporation, Jersey City, New Jersey, 

to make an indirect investment in Northern 

Trust Fiduciary Services (Jersey) Limited, St. 

Helier, Jersey.

NORTHERN TRUST 

INTERNATIONAL BANKING 

CORPORATION, THE

Newspaper:

Federal Register:

* 4c8 Not available

10/10/2008

PrivateBancorp, Inc., Chicago, Illinois, to 

acquire 100 percent of the voting shares of The 

PrivateWealth Trust Company, a federal 

savings bank (in organization), Chicago, Illinois, 

and thereby operate a savings association.

PRIVATEBANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

10/07/2008

Notice by Nicholas J. Burns, Jr., Almond, 

Wisconsin, to increase his ownership to 10 

percent or more of the shares of River Cities 

Bancshares, Inc., Wisconsin Rapids, 

Wisconsin, and thereby indirectly increase 

control of River Cities Bank, Wisconsin Rapids, 

Wisconsin. The increase results from a 

redemption of shares by River Cities 

Bancshares, Inc., Wisconsin Rapids, 

Wisconsin.

RIVER CITIES BANCSHARES, 

INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/22/2008

Notice by a group of investors that includes: 

Harrison I. Steans, Bannockburn, Illinois; 

Jennifer W. Steans, Evanston, Illinois; Financial 

Investments Corporation, Chicago, Illinois; 

PCB, LP, General Partners, Chicago, Illinois; 

Heather A. Steans, Chicago, Illinois; Robin M. 

Steans, Chicago, Illinois; Harrison I. Steans 

Self-Declaration of Revocable Trust - Harrison I. 

Steans, Bannockburn, Illinois, Trustee; Jennifer 

W. Steans 1999 Descendents Trust - James P. 

Kastenholz, Evanston, Illinois, Trustee; Heather 

A. Steans 1999 Descendants Trust - Leo A. 

Smith, Chicago, Illinois, Trustee; Robin M. 

Steans 1999 Descendents Trust - Leonard A. 

Gail, Chicago, Illinois, Trustee; Jennifer W. 

Steans 2000 Trust - Jennifer W. Steans, 

Evanston, Illinois, Trustee; Heather A. Steans 

2001 Trust - Heather A. Steans, Chicago, 

Illinois, Trustee; Robin M. Steans Revocable 

Trust - Robin M. Steans, Chicago, Illinois, 

Trustee; James P. Kastenholz 2000 Trust - James 

P. Kastenholz, Evanston, Illinois, Trustee; 

Leonard A. Gail Revocable Trust - Leonard A. 

Gail, Chicago, Illinois, Trustee; Hunter Family 

Foundation - Thomas B. Hunter, III, Lake 

Forest, Illinois and Maxine M. Hunter, Lake 

Forest, Illinois, Trustees; Maxine M. Hunter 

Charitable Lead Annuity Trust - Thomas B. 

Hunter, IV, Lake Forest, Illinois, and Willard M. 

Hunter, Lake Bluff, Illinois Trustees; Thomas B. 

Hunter, III Self Declaration of Revocable Trust - 

Thomas B. Hunter, III, Lake Forest, Illinois, 

Trustee; Morrison Family Foundation - Harold 

M. Morrison, Lake Forest, Illinois, and Adeline 

S. Morrison, Lake Forest, Illinois, Trustees; 

Harold M. Morrison Trust - Harold M. 

Morrison, Lake Forest, Illinois, Trustee; and 

USAmeriBancorp, Largo, Florida, to acquire 10 

percent or more of the shares of Taylor Capital 

Group, Rosemont, Illinois, and thereby 

indirectly acquire control of Cole Taylor Bank, 

Chicago, Illinois.

TAYLOR CAPITAL GROUP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

10/09/2008

Tompkins Bancorp, Inc., Avon, Illinois, to 

acquire 100 percent of the voting shares of 

Community Bank of Galesburg, Galesburg, 

Illinois.

TOMPKINS 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 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Liberty Bank, Jonesboro, Arkansas, to become a 

member of the Federal Reserve System.

LIBERTY BANK OF ARKANSAS

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Midland States Bank, Effingham, Illinois, to 10/16/2008

purchase the assets and assume the liabilities of 

two branches of Peoples National Bank, N.A., 

Mount Vernon, Illinois, and to retain the 

acquired facilities as branches.

MIDLAND STATES BANK

* 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

 2747466 EXCHANGE BK NE MO, KAHOKA, MISSOURI 06/16/2008 09/05/2008 S Small Bank

 397755 LEGACY BK & TR CO, PLATO, MISSOURI 06/02/2008 08/22/2008 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending September 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

10/17/2008

Glacier Bancorp, Inc., Kalispell, Montana, to 

acquire 100 percent of the voting shares of Bank 

of the San Juans Bancorporation, Durango, 

Colorado, and thereby indirectly acquire Bank 

of the San Juans, Durango, Colorado.

GLACIER BANCORP, 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 September 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/19/2008

08/18/2008

Notice submitted by the Barbara Dean Flaming 

Trust and Brenda Jean Flaming Salinas, trustee; 

the Brenda Jean Flaming Trust and Barbara 

Dean Flaming Waite, trustee; the Michael Todd 

Flaming Trust and Brenda Jean Flaming Salinas, 

trustee; and the Flaming Children 2008 

Irrevocable Trust and Gerald R. Chelgren, 

trustee; all of Cherokee, Oklahoma, part of a 

group acting in concert, to acquire/retain 

control of Alfalfa County Bancshares, Inc., 

parent of ACB Bank, both in Cherokee, 

Oklahoma.

ALFALFA COUNTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

10/17/2008

CCB Financial Corporation, Kansas City, 

Missouri, to acquire 100 percent of the voting 

shares of NKC Bancshares, Inc., parent of 

Norbank, both in North Kansas City, Missouri.

CCB FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1

4c8

09/07/2008

09/08/2008

LeaderOne National, Inc., Overland Park, 

Kansas, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of Signature Bank KC, Haddam, 

Kansas, and to engage in mortgage banking 

through the acquisition of 100 percent of the 

voting shares of LeaderOne Financial 

Corporation, Overland Park, Kansas.

LEADERONE NATIONAL, 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

 2396604 BANK OF STAR VALLEY, AFTON, WYOMING 06/02/2008 09/03/2008 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 September 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Dallas, Texas, to establish a 09/23/2008

branch to be located at 1301 E. 14th Street, San 

Leandro, California 94577.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

First Artesia Bancshares, Inc., Artesia, New 

Mexico, to acquire by merger 100 percent of 

AmFin Holding Company, Silver City, New 

Mexico, and indirectly acquire AmBank, Silver 

City, New Mexico.

FIRST ARTESIA BANCSHARES, 

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

LegacyTexas Bank, Plano, Texas, to establish a 09/27/2008

branch to be located at 4601 West Freeway, Fort 

Worth, Texas 76107.

LEGACYTEXAS BANK

Newspaper:

Federal Register:

* 3A1 Not available

10/17/2008

ST Financial Group, Inc., Montgomery, Texas, 

to become a bank holding company by 

acquiring 100 percent of Snook Bancshares, 

Inc., Snook, Texas, and indirectly acquire First 

Bank of Snook, Snook, Texas.

ST FINANCIAL GROUP, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 239659 FIRST BK, BURKBURNETT, TEXAS 05/05/2008 08/26/2008 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending September 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/30/2008

09/17/2008

Notice by Murray Pasternack, San Clemente, 

California, to increase his ownership up to 24.9 

percent of Capital Bank, San Juan Capistrano, 

California.

CAPITAL BANK

Newspaper:

Federal Register:

4c8 Not applicable

10/09/2008

D.L. Evans Bancorp, Burley, Idaho, to engage 

de novo in a joint venture with New Country 

Mortgage, LLC, Pocatello, Idaho, in mortgage 

loan origination, pursuant to section 4(c)(8) of 

the Bank Holding Company Act, and section 

225.28(b)(1) of Regulation Y.

D. L. EVANS BANCORP

Newspaper:

Federal Register:

CIC 09/27/2008

10/07/2008

Notice by Rommel R. Medina and Ruell R. 

Medina, both of San Bruno, California, to 

increase their ownership up to 23 percent of 

MNB Holdings Corporation, and thereby 

indirectly control its subsidiary, Mission 

National Bank, both of San Francisco, 

California.

MNB HOLDINGS 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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act