Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 42 

Week Ending October 20, 2007

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

Community Reinvestment Act and its Enforcement -- statement by Sandra 

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

Subcommittee on Domestic Policy of the House Oversight and Government Reform 

Committee on October 24, 2007.

- Reviewed, October 18, 2007

Banks, Foreign

ICICI Bank Limited, Mumbai, India -- to establish a branch in New York, New York.

- Approved, October 18, 2007

Forms

Forms -- final Board review to extend without revision the Studies of Board 

Publications (FR 1373a,b) and the disclosure requirements of Regulation CC, which 

implements the Expedited Funds Availability Act.

- Approved, October 15, 2007

Regulations And Policies

Regulation V -- final interagency regulations on affiliate marketing to implement 

provisions of the FACT Act that restrict the use of consumer information for 

marketing products and services (Docket No. R-1203).

- Approved, October 17, 2007

Enforcement

Progress Bancshares, Inc., Sullivan, Missouri, and Progress Bank of Missouri -- 

cease and desist order dated June 29, 2006, terminated September 28, 2007.

- Announced, October 15, 2007

H.2 Board Actions October 14, 2007 to October 20, 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

October 14, 2007 to October 20, 2007

Bank Branches, Domestic

Bank of North Florida, Jacksonville, Florida -- to establish a branch at 3704 84th 

Avenue Circle East, Sarasota.

Atlanta

- Approved, October 18, 2007

Bank Holding Companies

Carroll County Bancshares, Inc., Carrollton, Missouri -- to acquire Farmers and 

Merchants Bank, Hale.

Kansas City

- Approved, October 18, 2007

Century Financial Services Corporation, Santa Fe, New Mexico -- to engage in 

leasing of real property.

Kansas City

- Approved, October 16, 2007

Century Financial Services Corporation, Santa Fe, New Mexico -- to become a bank 

holding company and to acquire Century Bank upon its conversion from a federal 

savings bank, Century Bank, FSB, to a commercial bank.

Kansas City

- Approved, October 16, 2007

Community Bancorp, Inc., Saint Charles, Michigan -- to acquire MSB Holding, Inc., 

Montrose, and thereby acquire Montrose State Bank.

Chicago

- Approved, October 18, 2007

(A/C) = Addition or Correction Delegated - 1 of 6
Bank Holding Companies

Equity Bancshares, Inc., Andover, Kansas -- to acquire shares of Signature 

Bancshares, Inc., Spring Hill, and Signature Bank KC, Haddam, and to engage in 

general insurance activities through the acquisition of Citizens Agency, Inc., 

Haddam.

Kansas City

- Approved, October 16, 2007

First Bancorp, Troy, North Carolina -- to acquire Great Pee Dee Bancorp, Inc., 

Cheraw, South Carolina, and thereby acquire Sentry Bank & Trust.

Richmond

- Approved, October 15, 2007

First Corbin Bancorp, Inc., Corbin, Kentucky -- to acquire Eagle Fidelity, Inc., 

Williamstown, and Eagle Bank.

Cleveland

- Approved, October 17, 2007

First Guaranty Bancshares, Inc., Hammond, Louisiana -- to acquire Douglass 

National Bank, Kansas City, Missouri.

Atlanta

- Withdrawn, October 17, 2007

Florida Shores Bancorp, Inc., Pompano Beach, Florida; Smith Associates Florida 

Banking Fund LLC, and Smith Associates Bank Fund Management LLC -- to 

acquire shares of Florida Shores Bank - Southwest, Venice, a de novo bank.

Atlanta

- Approved, October 16, 2007

H.2 Actions under delegated authority October 14, 2007 to October 20, 2007

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

Founders Corporation of Loudoun, Inc., Leesburg, Virginia -- to become a bank 

holding company and to acquire Founders Bank & Trust, N.A., a de novo bank.

Richmond

- Approved, October 18, 2007

JPMorgan Chase & Co., New York, New York; J.P. Morgan Equity Holdings, Inc., 

Newark, Delaware; and CMC Holding Delaware Inc. -- to acquire JPMorgan Bank 

and Trust Company, National Association, San Francisco, California.

Secretary

- Approved, October 18, 2007

National Penn Bancshares, Inc., Boyertown, Pennsylvania -- to acquire The 

Christiana Bank and Trust Company, Greenville, Delaware.

Secretary

- Approved, October 17, 2007

Pan American Acquisition, Inc., Oak Brook, Illinois -- to become a bank holding 

company and to acquire JD Financial Group, Inc., Chicago, and thereby acquire Pan 

American Bank.

Chicago

- Approved, October 16, 2007

Partnership Community Bancshares, Inc., Tomah, Wisconsin -- to acquire shares of 

Lebanon Community Bancshares, Inc., Watertown, and thereby acquire Town & 

Country Bank.

Chicago

- Approved, October 18, 2007

H.2 Actions under delegated authority October 14, 2007 to October 20, 2007

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

Partnership Community Bancshares, Inc., Tomah, Wisconsin -- to engage de novo in 

extending credit and servicing loans.

Chicago

- Withdrawn, October 18, 2007

Security Bank Corporation, Macon, Georgia -- to acquire Security Bank of the Coast, 

Brunswick, a de novo bank.

Atlanta

- Withdrawn, October 15, 2007

ServisFirst Bancshares, Inc., Birmingham, Alabama -- to become a bank holding 

company and to acquire ServisFirst Bank.

Atlanta

- Approved, October 16, 2007

St. Martin Bancshares, Inc., St. Martinville, Louisiana -- waiver of application for its 

subsidiary, St. Martin Bank & Trust Company, to acquire American Bank, Welsh, in 

connection with the merger of the two banks.

Atlanta

- Granted, October 19, 2007

Bank Mergers

Susquehanna Bank PA, Lititz, Pennsylvania -- to purchase the assets and assume the 

liabilities of the Wyomissing, Temple, Reading, and Fleetwood branches of 

Susquehanna Bank, DV, Bryn Mawr.

Philadelphia

- Approved, October 19, 2007

H.2 Actions under delegated authority October 14, 2007 to October 20, 2007

(A/C) = Addition or Correction Delegated - 4 of 6
Change In Bank Control

Citizens Southern Bancshares, Inc., Vernon, Alabama -- change in bank control.

Atlanta

- Permitted, October 16, 2007

Coastal Commerce Bancshares, Inc., Houma, Louisiana -- change in bank control.

Atlanta

- Permitted, October 18, 2007

Solera National Bancorp, Inc., Lakewood, Colorado -- change in bank control.

Kansas City

- Permitted, October 19, 2007

Extensions Of Time

Arvest Bank, Fayetteville, Arkansas -- extension to November 17, 2007, to establish 

a branch at 2600 Donaghey Avenue, Conway.

St. Louis

- Granted, October 17, 2007

Highlands Union Bank, Abingdon, Virginia -- extension to April 25, 2008, to 

establish a branch at the intersection of Mountain Grove and Majestic Roads, 

Knoxville, Tennessee.

Richmond

- Granted, October 19, 2007

H.2 Actions under delegated authority October 14, 2007 to October 20, 2007

(A/C) = Addition or Correction Delegated - 5 of 6
Extensions Of Time

Prairieland Bancorp Employee Stock Ownership Plan and Trust, Bushnell, Illinois -- 

extension to December 13, 2007, to increase its ownership of Prairieland Bancorp, 

Inc., and thereby increase its ownership of Farmers and Merchants State Bank.

Chicago

- Granted, October 15, 2007

TrustTexas Mutual Holding Company, Cuero, Texas, and TrustTexas Financial 

Group, Inc. -- extension to December 15, 2007, to become bank holding companies 

and to acquire TrustTexas Bank, S.S.B.

Dallas

- Granted, October 16, 2007

Financial Holding Companies 

First Paragould Bankshares, Inc., Paragould, Arkansas -- election to become a 

financial holding company.

St. Louis

- Effective, October 16, 2007

H.2 Actions under delegated authority October 14, 2007 to October 20, 2007

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

Federal Reserve Bank of Boston

Filings received during the week ending October 20, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Boston Private Financial Holdings, Inc., Boston, 

Massachusetts, to acquire up to a 15% 

additional interest in Bingham, Osborn & 

Scarborough LLC, San Francisco, California, 

pursuant to section 4(c)(8) of the BHC Act and 

to Sections 225.23 and 225.28(b)(6) of 

Regulation Y.

BOSTON PRIVATE FINANCIAL 

HOLDINGS, INC.

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending October 20, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

Andhra Bank, Hyderabad, India, to establish a 07/24/2007

representative office in Jersey City, New Jersey.

ANDHRA BANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco Espirito Santo de Investimento, S.A., 

Lisbon, Portugal, to establish a branch in New 

York, New York, pursuant to Section 7(d) of the 

International Banking Act.

BANCO ESPIRITO SANTO DE 

INVESTIMENTO, S.A.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Prior notice by Citibank, N.A. ("Citibank"), Las 

Vegas, Nevada and Citibank Overseas 

Investment Corporation ("COIC"), New Castle, 

Delaware, pursuant to Section 211.9(f) of 

Regulation K, for an investment in LQ 

Inversiones Finacieras, S.A., Banco de Chile 

and their subsidiaries, all of Santiago, Chile.

CITIBANK, N.A.

Newspaper:

Federal Register:

FBSEA

Not applicable

DekaBank Deutsche Girozentrale, Frankfurt am 11/05/2007

Main, Germany, to establish a representative 

office in New York, New York, pursuant to 

Section 211.24(a)(1) of Regulation K.

DGZ DEKABANK DEUTSCHE 

KOMMUNALBANK

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Greater Rochester Bancorp, Inc. to become a 

one-bank holding company, pursuant to Section 

3(a)(1) of the BHC Act and Section 225.17 of 

Regulation Y, by acquiring Genesee Regional 

Bank, both of Rochester, New York.

GREATER ROCHESTER 

BANCORP, INC.

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Manufacturers and Traders Trust Company and 

M&T Bank Corporation, both of Buffalo, New 

York, to purchase assets and assume liabilities 

of twenty branches of First Tennessee Bank 

National Association, Memphis, Tennessee 

(which branches are operated under the trade 

name First Horizon Bank) and for M&T Bank to 

establish branches at such locations.

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 October 20, 2007

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 October 20, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice of Change in Bank Control for Robert 

Duane Hord, FC Banc Corp., Bucyrus, Ohio

FC BANC CORP

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, Michigan, to 10/16/2007

establish a branch facility at 1910 Kings 

Highway, Port Charlotte, Florida 33980

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

North Side Deposit Bank and Trust Company, 

Cincinnati, OH to establish a branch at State 

Route 22 and US 48, Maineville, OH.

NORTH SIDE BANK AND TRUST 

COMPANY, THE

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Application by PNC Bank, Delaware, 

Wilmington, Delaware, to acquire by merger 

Delaware Sterling Bank & Trust Company, 

Christiana, Delaware

PNC BANK, DELAWARE

* 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 October 20, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Gateway Bank & Trust Co., Elizabeth City, 10/30/2007

North Carolina, proposes to establish a branch 

at 2235 Access Medical Drive, Raleigh, North 

Carolina.

GATEWAY BANK & TRUST CO.

Newspaper:

Federal Register:

FBSEA

Not applicable

Royal Bank of Canada, Montreal, Canada, to 11/07/2007

establish a branch at Three World Financial 

Center, 200 Vesey Street, New York, New York.

ROYAL BANK OF CANADA

Newspaper:

Federal Register:

FBSEA

Not applicable

SNS Property Finance B.V., Hoevelaken, 10/29/2007

Netherlands, to establish a representative office 

in Reston, Virginia.

SNS PROPERTY FINANCE B.V.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Wachovia Bank, National Association, 

Charlotte, North Carolina, to make an 

investment through its subsidiary, Wachovia 

Bank International, Dublin, Ireland, of $256 

million in Wachovia Securities International, 

Limited, London, England.

WACHOVIA BANK 

INTERNATIONAL

* 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 October 20, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Aliant Bank, Alexander City, Alabama, to 10/25/2007

establish a branch located at 2401 Stemley 

Bridge Road, Suite 13, Pell City Alabama.

ALIANT BANK

Newspaper:

Federal Register:

CIC 11/08/2007

11/06/2007

Alliance Bancshares, Inc., Dalton, Georgia, prior 

change in control notice filed by Jackson Parks 

Turner, Dalton, Georgia, to acquire 4.1 percent 

of the outstanding shares of Alliance 

Bancshares, Inc., and its subsidiary, Alliance 

National Bank, Dalton, Georgia.

ALLIANCE BANCSHARES, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Bay Financial Savings Bank, F.S.B., Tampa, 

Florida, to become a member of the Federal 

Reserve System, upon its conversion to Bay 

Bank, Tampa, Florida.

BAY FINANCIAL SAVINGS 

BANK, F.S.B.

Newspaper:

Federal Register:

* 3A1 11/05/2007

11/16/2007

Community Bank Investors of America, LP, 

Midlothian, Virginia, to become a bank holding 

company by acquiring 34 percent of the 

outstanding shares of Bay Bank, Tampa, Florida 

(upon the conversion of Bay Financial Savings 

Bank, F.S.B., Tampa, Florida, to a state member 

bank); and FA Capital, LLC, Midlothian, 

Virginia, to become a bank holding company by 

acquiring 34 percent of the outstanding shares 

of Bay Bank, Tampa, Florida (upon the 

conversion of Bay Financial Savings Bank, 

F.S.B., Tampa, Florida, to a state member bank).

COMMUNITY BANK 

INVESTORS OF AMERICA, LP

Newspaper:

Federal Register:

* 3A1 11/16/2007

11/19/2007

Touchstone Bancshares, Inc., Norcross, 

Georgia, to become a bank holding company by 

acquiring 100 percent of the outstanding shares 

of Touchstone National Bank, Duluth, Georgia 

(in organization).

Touchstone 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 October 20, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 11/07/2007

11/16/2007

Midamerica Financial Corporation, a 

wholly-owned subsidiary holding company of 

BTC Financial Corporation, both of Des 

Moines, Iowa, to acquire 99.95 percent of 

Bankers Trust Company, NA, Phoenix, Arizona 

(in organization).

BTC FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 10/29/2007

Capitol Bancorp, Ltd., Lansing, Michigan, to 

acquire 51 percent of the voting shares of 

Citizens Business Bank (in organization), 

Goodyear, Arizona, and by Capitol 

Development Bancorp Limited VII, Lansing, 

Michigan, to become a bank holding company 

by acquiring 51 percent of the voting shares of 

Citizens Business Bank (in organization), 

Goodyear, Arizona.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 Not available

11/05/2007

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VII, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Community Bank of Lincoln (in 

organization), Lincoln, Nebraska, and thereby 

operate a savings association.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 Not available

11/05/2007

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VI, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Brookhollow Bank (in 

organization), Irving, Texas, and thereby to 

operate a savings association.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 Not available

11/05/2007

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VI, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Bank of Fort Bend (in 

organization), Sugar Land, Texas, and thereby 

to operate a savings association.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

CIC Not available

10/24/2007

Notice by James P. Stein, Muscatine, Iowa; 

Mary Ann Bramhall-Lambert, Muscatine, Iowa; 

Thomas L. Lambert, Muscatine, Iowa; Velma M. 

Lambert, Muscatine, Iowa; as a family acting in 

concert; and William M. Parks, Muscatine, 

Iowa, individually and in concert with Ann F. 

Parks, Muscatine, Iowa, to gain control of 

Central Bancshares, Inc., Muscatine,Iowa, and 

thereby indirectly Central State Bank, 

Muscatine, Iowa; Farmers and Mechanics Bank, 

Galesburg, Illinois; Freedom Security Bank, 

Coralville, Iowa; and West Chester Savings 

Bank, Washington, Iowa.

CENTRAL BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish 

two branch facilities to be located at 11355 

South Street, Cerritos, California, and 2795 

Pacific Coast Highway, Torrance, California.

COMERICA BANK

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

Federal Reserve Bank of Chicago

Filings received during the week ending October 20, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish 

four branch facilities to be located at: 5940 

Fairmount Parkway, Pasadena, Texas; 14950 

Avery Ranch Blvd., Austin, Texas; 810 E. 

Whitestone Blvd., Bldg. C, Cedar Park, Texas, 

and at the southwest corner of Bee Caves Road 

and Westlake Drive, West Lake Hills, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 10/21/2007

two branch facilities to be located at 644 Laurel 

Street, San Carlos, San Mateo County, 

California; and 1351 Howard Avenue, 

Burlingame, San Mateo County, California.

COMERICA BANK

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Florida Commerce Bancorp Ltd., Ft. Myers, 

Florida, to become a bank holding company by 

acquiring 100 percent of the voting shares of 

Commercebank of Southwest Florida, Fort 

Meyers, Florida.

Florida Commerce Bancorp Ltd.

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

11/13/2007

IBT Bancorp, Inc., Mt. Pleasant, Michigan, to 

merge with Greenville Community Financial 

Corporation, Greenville, Michigan, and thereby 

indirectly acquire Greenville Community Bank, 

Greenville, Michigan, and the related application 

by Isabella Bank and Trust, Mt. Pleasant, 

Michigan, to merge with Greenville Community 

Bank, Greenville, Michigan, and thereby 

establish two branches.

IBT BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Illinois National Bancorp, Inc., Springfield, 

Illinois, to acquire 100 percent of the voting 

shares of First National Bank of Mount Pulaski, 

Mount Pulaski, Illinois.

ILLINOIS NATIONAL BANCORP, 

INC.

Newspaper:

Federal Register:

4c8 Not applicable

11/07/2007

InvestorsBancorp, Inc., Pewaukee, Wisconsin, 

to retain and continue to engage in extending 

credit and servicing loans.

INVESTORSBANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Isabella Bank and Trust, Mt. Pleasant, 10/19/2007

Michigan, to establish a branch facility to be 

located at 125 N. Coldwater Road, Lake Isabella, 

Michigan.

ISABELLA BANK AND TRUST

Newspaper:

Federal Register:

* Branch

Not applicable

M&I Marshall & Ilsley Bank, 10/23/2007

Milwaukee,Wisconsin, to establish three branch 

facilities to be located at 1135 Palmbrush Trail, 

Bradenton, Florida, Fruitville Road & I-75, 

Sarasota, Florida, and Aloma Avenue & State 

Road 417, Oviedo, Florida.

M&I MARSHALL & ILSLEY 

BANK

Newspaper:

Federal Register:

* 3A3 Not available

11/16/2007

NEB Corporation, Fond du Lac, Wisconsin, to 

acquire 10.07 percent of the voting shares of 

First Menasha Bancshares, Inc., Neenah, 

Wisconsin, and thereby indirectly acquire First 

National Bank-Fox Valley, Neenah, Wisconsin.

NEB CORPORATION

* 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 October 20, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Arvest Bank, Fayetteville, Arkansas, to 11/11/2007

purchase the assets and assume the liabilities of 

the Grove, Oklahoma branch office of Grand 

Bank, Tulsa, and to retain the acquired facility 

as a branch.

ARVEST BANK

Newspaper:

Federal Register:

* 4c8 11/05/2007

11/05/2007

Integra Bank Corporation, Evansville, Indiana, 

to merge with Peoples Community Bancorp, 

Inc., West Chester, Ohio, and thereby indirectly 

acquire Peoples Community Bank, West 

Chester, Ohio.

INTEGRA BANK CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Midland States Bank, Effingham, Illinois, to 10/11/2007

establish a mobile branch to be operated in the 

Chesterfield, Missouri market.

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

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 October 20, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/12/2007

Change in control notice by Michael L. Frei, 

Pickstown, South Dakota to join a group acting 

in concert by acquiring shares of Commercial 

Holding Company, Wagner, South Dakota, and 

thereby indirectly acquiring control of 

Commercial State Bank, Wagner, South Dakota.

COMMERCIAL HOLDING 

COMPANY

Newspaper:

Federal Register:

* 3A5 Not available

11/05/2007

Dairyland Bancorp, Inc., Bruce, Wisconsin, to 

acquire 100 percent of Gilman Corporation, 

Gilman, Wisconsin, and thereby indirectly 

acquire State Bank of Gilman, Gilman, 

Wisconsin.

DAIRYLAND BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

11/13/2007

First Interstate BancSystem, Inc., Billings, 

Montana, to acquire 100 percent of First 

Western Bank, Wall, South Dakota, and The 

First Western Bank of Sturgis, Sturgis, South 

Dakota.

FIRST INTERSTATE 

BANCSYSTEM, INC.

Newspaper:

Federal Register:

* 3A1 11/08/2007

11/13/2007

Ramsey Financial Corporation and Affiliates 

Employee Stock Ownership Plan, Devils Lake, 

North Dakota to become a bank holding 

company by increasing its ownership of 

Ramsey Financial Corporation, Devils Lake, 

North Dakota, to at least 50.7% and thereby 

indirectly acquire Ramsey National Bank and 

Trust Company of Devils Lake, Devils Lake, 

North Dakota.

RAMSEY FINANCIAL 

CORPORATION AND 

AFFILIATES EMPLOYEE STOCK 

OWNERSHIP PLAN

* 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 October 20, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

11/19/2007

BOV Holding Company to become a bank 

holding company through the acquisition of at 

least 80 percent of the voting shares of Bank of 

Versailles, both in Versailles, Missouri.

BOV HOLDING COMPANY

Newspaper:

Federal Register:

CIC Not available

11/09/2007

Notice by the Burns Group consisting of R. 

Dean Phillips, Las Vegas, Nevada, individually 

and as a member of the Burns Group; Janice 

Sauvage, Las Vegas, Nevada, as trustee of the 

Janice Sauvage Trust #2; the Janice Sauvage 

Trust #2, individually and as a member of the 

Burns Group; and Philip M. Burns, Las Vegas, 

Nevada, as a member of the Burns Group; to 

acquire control of First Financial Services, Inc., 

parent of First National Bank and Trust 

Company, both in Falls City, Nebraska, through 

the acquisition of voting shares.

FIRST FINANCIAL SERVICES, 

INC.

Newspaper:

Federal Register:

CIC Not available

10/23/2007

Notice by Jack L. Justice, Pauls Valley, 

Oklahoma, to acquire control of First Lindsay 

Corporation, parent of The First National Bank 

of Lindsay, both in Lindsay, Oklahoma, through 

the acquisition of voting shares.

FIRST LINDSAY CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

11/19/2007

Applications filed by Lauritzen Corporation, 

indirectly, and, First National of Nebraska, Inc., 

directly, both of Omaha, Nebraska, to acquire 

100 percent of the voting shares of Mills 

County Bancorp, parent of Mills County Bank, 

National Association, both in Glenwood, Iowa.

LAURITZEN CORPORATION

Newspaper:

Federal Register:

CIC 10/31/2007

11/02/2007

Notice by L. Kent Needham Revocable Stock 

Trust, L. Kent Needham, Tonganoxie, Kansas, 

trustee, and Terry L. Needham Revocable Stock 

Trust, Terry L. Needham, Tonganoxie, Kansas, 

trustee, to acquire control of Overbrook 

Bankshares, Inc., parent of The First Security 

Bank, both in Overbrook, Kansas, through the 

acquisition of voting shares.

OVERBROOK BANKSHARES, 

INC.

Newspaper:

Federal Register:

CIC 10/20/2007

10/12/2007

Notification by Joseph M. Sullivan, Ulysses, 

Kansas, as co-trustee of the Grant County Bank 

Employee Stock Ownership Plan (ESOP), to 

retain control of Resource One, Inc., parent of 

Grant County Bank, both in Ulysses, Kansas.

RESOURCE ONE, INC.

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

Federal Reserve Bank of Kansas City

Filings received during the week ending October 20, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/01/2007

Notice by Loris D. New Trust, UTA 09-07-93, 

Loris D. New, Leavenworth, Kansas, trustee; to 

acquire control of Tonganoxie Bankshares, Inc., 

parent of First State Bank and Trust, both in 

Tonganoxie, Kansas; and by the Damon L. New 

Trust, UTA 12-12-97, Damon L. New, 

Leavenworth, Kansas, as trustee and 

individually; the Jilinda A. White Trust, UTA 

12-12-97, Jilinda A. White, Leavenworth, 

Kansas, as trustee and individually; the 

Shawnda D. Gilmore Trust, UTA 12-12-97, 

Shawnda D. Gilmore, Leavenworth, Kansas, as 

trustee and individually; the Brandon O. New 

Trust, UTA 12-12-97, Brandon O. New, 

Leavenworth, Kansas, as trustee and 

individually; to retain control of Tonganoxie 

Bankshares, Inc., parent of First State Bank and 

Trust, both in Tonganoxie, Kansas, as members 

of the New Family Group, a group acting in 

concert, through the acquisition of voting 

shares.

TONGANOXIE BANKSHARES, 

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 October 20, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 10/26/2007

11/13/2007

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

and The ANB Corporation, Terrell, Texas, to 

acquire 100 percent of DNB Bancshares, Inc., 

Dallas, Texas, and indirectly acquire DNB 

Delaware Financial Corporation, Dover, 

Delaware, and Dallas National Bank, Dallas, 

Texas.

A.N.B. HOLDING COMPANY, 

LTD.

Newspaper:

Federal Register:

* 3A1 10/05/2007

11/13/2007

Lone Star State Bancshares, Inc., Lubbock, 

Texas, to become a bank holding company by 

acquiring 100 percent of Lone Star State Bank of 

West Texas, Lubbock, Texas (de novo).

LONE STAR BANCSHARES, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Lone Star State Bank of West Texas, Lubbock, 

Texas (de novo) to become a member of the 

Federal Reserve System.

LONE STAR STATE BANK OF 

WEST TEXAS

* 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 October 20, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/07/2007

Notice by Juan C.G. Araneta, Fernando G. 

Araneta, Maria M.G. Araneta and Margarita A. 

Holigores, all of Makati City, Philippines, 

Santiago G. Araneta and Marilou G. Joaquin, 

both of Pasig City, Philippines, and Hugo N. 

Bonilla, Newark, California, to retain shares and 

control of MNB Holdings Corporation, and 

thereby indirectly control its subsidiary, 

Mission National Bank, both of San Francisco, 

California.

MNB HOLDINGS CORPORATION

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

The Shizuoka Bank, Ltd., Shizuoka, Japan, to 

establish a branch office at 600 Lexington 

Avenue, New York, New York, pursuant to 

section 7(d) of the International Banking Act.

SHIZUOKA BANK, LTD., THE

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Wells Fargo & Company, through a new 

subsidiary of WFC Holdings Corporation, both 

of San Francisco, California, request for 

approval to purchase and sell electricity in the 

spot market and take and make delivery of 

electricity to settle commodity derivatives, 

pursuant to section 4(c)(8) of the Bank Holding 

Company Act.

WELLS FARGO & COMPANY

* 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