Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 7

Week Ending February 17, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions February 11, 2007 to February 17, 2007

Bank Holding Companies

The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania -- to merge with 

Mercantile Bankshares Corporation, Baltimore, Maryland, and thereby acquire its 

subsidiary banks.

- Approved, February 13, 2007 

Regulations And Policies

Basel Capital Accord -- publication for comment of interagency supervisory 

guidance for internal ratings-based systems for credit risk, advanced measurement 

approaches for operational risk, and the supervisory review process related to Basel 

II implementation (Docket No. OP-1277).

- Approved, February 12, 2007 

(AC) = Addition or Correction Board - Page 1 of 1
February 11, 2007 to February 17, 2007

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Bank of the Commonwealth, Norfolk, Virginia -- to establish a branch at 26006 

Highway 12, Waves, North Carolina.

- Approved, February 15, 2007 

Richmond

Bank of Virginia, Midlothian, Virginia -- to establish a branch at 906 Branchway 

Road, Richmond.

- Approved, February 13, 2007 

Richmond

Hendricks County Bank and Trust Company, Brownsburg, Indiana -- to establish a 

branch at 963 North State Road 267, Avon.

- Approved, February 12, 2007 

Chicago

LegacyTexas Bank, Plano, Texas -- to establish a branch at 900 South Main Street, 

Grapevine.

- Approved, February 15, 2007 

Dallas

Bank Holding Companies

ATB Holdings, LLC, Birmingham, Alabama -- to become a bank holding company 

and to acquire 25 percent of the shares of Guardian Bancshares, Inc., Sylacauga, and 

thereby acquire its subsidiary, Alabama Trust Bank, National Association.

- Approved, February 15, 2007 

Atlanta

ATB Management, LLC, Birmingham, Alabama -- to become a bank holding 

company and to acquire control of ATB Holdings, LLC, and thereby acquire control 

of Alabama Trust Bank, National Association, Sylacauga.

- Approved, February 15, 2007 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 4
H.2 Actions under delegated authority February 11, 2007 to February 17, 2007

Bank Holding Companies

Cathay General Bancorp, Los Angeles, California -- waiver of application to acquire 

United Heritage Bank, Edison, New Jersey, in connection with the merger of United 

Heritage Bank and Cathay Bank, Los Angeles, California.

- Withdrawn, February 15, 2007 

San Francisco

Centra Ventures, Inc., Foley, Minnesota -- to engage in leasing activities through its 

de novo subsidiary, Falcon Leasing L.L.C.

- Approved, February 14, 2007 

Minneapolis

Community Banks, Inc., Harrisburg, Pennsylvania -- to acquire BUCS Financial 

Corp., Owings Mills, Maryland.

- Approved, February 13, 2007 

Philadelphia

Enterprise Financial Services Corp, Clayton, Missouri -- to acquire Clayco Banc 

Corporation, DeSoto, Kansas, and thereby acquire Great American Bank.

- Approved, February 13, 2007 

St. Louis

First Citizens Financial Corporation, Dawsonville, Georgia -- to become a bank 

holding company and to acquire First Citizens Bank of Georgia, a de novo bank.

- Approved, February 15, 2007 

Atlanta

Redwood Capital Bancorp, Eureka, California -- to become a bank holding company 

and to acquire Redwood Capital Bank.

- Approved, February 13, 2007 

San Francisco

Security Bank Corporation, Macon, Georgia -- to acquire CFS Wealth Management, 

LLC, and thereby engage in financial and investment advisory services and 

securities brokerage services.

- Approved, February 14, 2007 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 4
H.2 Actions under delegated authority February 11, 2007 to February 17, 2007

Bank Holding Companies

Spencer MHC, Spencer, Massachusetts, and Spencer Mid-tier Holding Company -- 

to become a mutual bank holding company and a stock bank holding company, 

respectively, and to acquire Spencer Savings Bank.

- Approved, February 14, 2007 

Boston

Bank Premises

Farmers Bank and Trust Company, Blytheville, Arkansas -- to make an additional 

investment in bank premises.

- Approved, February 15, 2007 

St. Louis

Change In Bank Control

Farmers State Bankshares, Inc., Circleville, Kansas -- change in bank control.

- Permitted, February 12, 2007 

Kansas City

Mahnomen Bancshares, Inc., Mahnomen, Minnesota -- change in bank control.

- Permitted, February 13, 2007 

Secretary

Mulvane Bankshares, Inc., Mulvane, Kansas -- to retain control of Mulvane 

Bankshares, Inc.

- Permitted, February 16, 2007 

Kansas City

Extensions Of Time

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

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

Florida -- extension to March 29, 2007, to become a multi-tier bank holding 

company and to acquire Business Bank of Florida Corp., Melbourne, Florida, and 

Florida Business Bank.

- Granted, February 14, 2007 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 4
H.2 Actions under delegated authority February 11, 2007 to February 17, 2007

International Operations

CoBiz Bank, N.A., Denver, Colorado -- to establish a branch in Grand Cayman, 

Cayman Islands.

- Approved, February 15, 2007 

Kansas City

Membership

Delta Southern Bank, Ruleville, Mississippi, and Elk Horn Bank and Trust 

Company, Arkadelphia, Arkansas -- to become members of the Federal Reserve 

System.

- Approved, February 16, 2007 

Secretary

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

Federal Reserve Bank of Boston

Filings received during the week ending February 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Merrimack Bancorp, MHC, Concord, New

Hampshire to acquire 100% of the voting

shares of Bow Mills Bank, Bow, New

Hampshire pursuant to section 3(a)(3) of the

BHC Act.

MERRIMACK 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 February 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Amboy Bancorporation Employee Stock

Ownership Plan, ("ESOP"), requests approval

to become a bank holding company, pursuant

to Section 3(a)(1) of the BHC Act of 1956 and

Section 225.15 of Regulation Y, by acquiring

common stock of Amboy Bancorporation, both

of Old Bridge, New Jersey ("Amboy").

AMBOY BANCORPORATION

EMPLOYEE STOCK

OWNERSHIP PLAN

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

BNC Financial Group, Inc., New Canaan,

Connecticut, to become a one-bank holding

company, pursuant to Section 3(a)(C) of the

BHC Act and Section 225.17 of Regulation Y,

with respect to The Bank of New Canaan, New

Canaan, Connecticut.

BNC FINANCIAL GROUP, INC.

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Chemung Canal Trust Company, Elmira, New

York to purchase the assets and assume the

liabilities certain trust accounts of Partners

Trust Bank, Utica, New York through a

merger with its wholly-owned subsidiary

Partners Interim Bank, Utica, New York

pursuant to Section 18(c) of the Federal

Deposit Insurance Act.

CHEMUNG CANAL TRUST

COMPANY

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

China Merchants Bank Co.,

Ltd.("CMB"),Shenzhen, Peoples Republic of

China is applying to establish a branch, under

Section 211.24(a)(1) of Regulation K, in New

York.

CHINA MERCHANTS BANK

CO. LTD.

* 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 February 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

Not applicable

The First National Bank of Newport, Newport, 03/10/2007

PA, to merge with and into Orrstown Bank,

Shippensburg, PA.

ORRSTOWN 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 February 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Jerry D. Greer and Garth Rex Greer

to gain control of, First National Financial

Corporation, Manchester, Kentucky, and

indirectly gain control of First National Bank,

Manchester, Kentucky

FIRST NATIONAL FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A5

* 3A1

03/09/2007

03/05/2007

Ohio, through its wholly-owned subsidiary

Penguin Acquisition, LLC, also of Columbus,

Ohio, to acquire 100 percent of Sky Financial

Group, Inc., Bowling Green, Ohio, and thereby

indirectly acquire Sky Bank, Salineville, Ohio,

and Sky Trust, NA, Pepper Pike, Ohio

HUNTINGTON BANCSHARES

INCORPORATED

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Application by The State Bank and Trust

Company, Defiance, OH to merge with The

Exchange Bank, Luckey, OH pursuant to

Section 18(c) of the Federal Deposit Insurance

Act.

STATE BANK AND TRUST

COMPANY, THE

Newspaper:

Federal Register:

* Branch

Not applicable

WesBanco Bank, Inc., Wheeling, WV to 02/23/2007

establish a branch at 100 Cabela Drive,

Triadelphia, WV.

WESBANCO BANK, INC.

* 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

576710 SKY BK, SALINEVILLE, OHIO 10/14/2003 04/08/2004 S Large Bank

576710 SKY BK, SALINEVILLE, OHIO 03/13/2006 09/05/2006 S Large Bank

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 February 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Essex, Tappahannock, Virginia, 03/02/2007

proposes to establish a branch on

Northumberland Highway approximately .1

miles east of Route 644, Burgess, Virginia.

BANK OF ESSEX

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Essex, Tappahannock, Virginia, 03/02/2007

proposes to establish a branch on

Northumberland Highway approximately .3

miles east of Route 729, Callao, Virginia.

BANK OF ESSEX

Newspaper:

Federal Register:

* Branch

Not applicable

Old Line Bank, Bowie, Maryland, proposes to 03/01/2007

establish a branch at 6301 Ivy Lane, Greenbelt,

Maryland.

OLD LINE 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

753324 BANK OF CLARKE CTY, BERRYVILLE, VIRGINIA 10/16/2006 01/17/2007 S Int Sm Bank

991621 CITIZENS B&TC, BLACKSTONE, VIRGINIA 10/02/2006 01/07/2007 S Large Bank

417626 PUTNAM CTY BK, HURRICANE, WEST VIRGINIA 10/02/2006 01/03/2007 S Int Sm Bank

274829 TRUPOINT BK, GRUNDY, VIRGINIA 08/28/2006 01/18/2007 S Int Sm Bank

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 February 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

American United Bancorp, Inc., to become a

bank holding company by acquiring 100

percent of the outstanding shares of American

United Bank, both of Lawrenceville, Georgia.

AMERICAN UNITED

BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 03/09/2007

03/09/2007

Atlantic Capital Bancshares, Inc., Atlanta,

Georgia, to become a bank holding company

by acquiring 100 percent of the issued and

outstanding capital stock of Atlantic Capital

Bank, Atlanta, Georgia (in organization).

Atlantic Capital Bancshares, Inc.

Newspaper:

Federal Register:

* 3A1

Not available

BankCap Partners Fund I, L.P., BCP Fund I 03/11/2007

Southeast Holdings, LLC, BankCap Equity

Fund, LLC, and BankCap Partners GP, L.P.,

all of Dallas, Texas, to become a multi-bank

holding company structure by acquiring 49.9

percent of the outstanding shares of Atlantic

Capital Bancshares, Inc., and thereby

indirectly acquiring voting shares of Atlantic

Capital Bank (in organization), both of

Atlanta, Georgia.

BANKCAP PARTNERS FUND I,

L.P.

Newspaper:

Federal Register:

* Branch

Not applicable

The Brand Banking Company, Lawrenceville, 02/24/2007

Georgia, to establish branches at the following

locations: 2255 Buford Highway, Buford,

Georgia, and 6225 Sugarloaf Parkway, Suite

100, Duluth, Georgia.

BRAND BANKING COMPANY,

THE

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

FBC Bancorp, Inc., Orlando, Florida, notice to

acquire 100 percent of the outstanding shares

of Florida Bank of Commerce, both of

Orlando, Florida.

FBC BANCORP, INC.

Newspaper:

Federal Register:

* 3A1

* 3A3

03/18/2007

03/09/2007

FBG Holding Corporation, Tampa, Florida, to

become a bank holding company by acquiring

100 percent of the outstanding shares of

Florida Bank Group, Inc., Tampa, Florida, and

its subsidiaries, Bank of St. Petersburg, Tampa,

Florida, and Bank of North Florida,

Jacksonville, Florida; and to acquire 100

percent of the outstanding shares of The Bank

of Tallahassee, Tallahassee, Florida.

FBG HOLDING

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

03/09/2007

FMCB Holdings, Inc., Senoia, Georgia, to

acquire 100 percent of the outstanding shares

of First Choice Community Bank, Dallas,

Georgia (in organization).

FMCB HOLDINGS, INC.

Newspaper:

Federal Register:

CIC Not available

03/08/2007

NBOG Bancorporation, Inc., Gainesville,

Georgia, prior change in control filed by

William R. Blanton, Alpharetta, Georgia, to

acquire 38.6 percent of the outstanding shares

of NBOG Bancorporation, Inc., and its

subsidiary, National Bank of Gainesville, both

of Gainesville, Georgia,

NBOG BANCORPORATION,

INC.

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

Federal Reserve Bank of Atlanta

Filings received during the week ending February 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Relations Bancshares, Inc., notice to become a

bank holding company by acquiring 100

percent of the outstanding shares of Bank of

Walker County, both of Jasper, Alabama.

Relations Bancshares, Inc.

Newspaper:

Federal Register:

* Branch

Not applicable

Riverside Bank of the Gulf Coast, Cape Coral, 02/17/2007

Florida, to estblish a branch located at 5247

Golden Gate Parkway, Naples, Florida.

RIVERSIDE BANK OF THE

GULF COAST

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 03/02/2007

a branch located at 6650 Collier Boulevard,

Naples, Florida, to be known as the East

Naples Wal-Mart Office.

SUNTRUST BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

270036 ORION BK, NAPLES, FLORIDA 10/23/2006 02/12/2007 S Large Bank

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 February 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

1st Source Bank, South Bend, Indiana, to 02/28/2007

establish two branch facilities to be located at

133 North 4th Street, Lafayette, Indiana and

401 North 4th Street, Lafayette, Indiana.

1ST SOURCE BANK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Associated Banc-Corp., Green Bay, Wisconsin,

to acquire 100 percent of the voting shares of

First National Bank of Hudson, Woodbury,

Minnesota.

ASSOCIATED BANC-CORP

Newspaper:

Federal Register:

* 3A3 Not available

Not available

C-B-G, Inc., West Liberty, Iowa, to acquire up

to $500,000 in additional shares of

Washington Bancorp, Washington, Iowa, and

thereby indirectly increase its interest in

Washington Bancorp's subsidiary, Federation

Bank, Washington, Iowa.

C-B-G, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Citizens Bank, Flint, Michigan, to merge with

Republic Bank, Lansing, Michigan, and

thereby to establish branches.

CITIZENS BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

four branch facilities to be located at: 2000

Avenue of the Stars, Los Angeles, California,

1802 Garnet Avenue, San Diego, California,

370 Green Road, Houston, Texas, and 6412

San Felipe Street, Houston, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Community State Bank Employee Stock

Ownership Plan and Trust, Union Grove,

Wisconsin, to increase its ownership of Union

Bancorporation, Inc., Union Grove, Wisconsin,

to 35.52 percent of the voting shares, and

thereby increase its indirect ownership of

Community State Bank, Union Grove,

Wisconsin.

COMMUNITY STATE BANK

EMPLOYEE STOCK

OWNERSHIP PLAN AND

TRUST

Newspaper:

Federal Register:

* Branch

Not applicable

First American Bank, Fort Dodge, Iowa, to 01/29/2007

establish a branch facility to be located at 640

Highway 1 West, Iowa City, Iowa.

FIRST AMERICAN BANK

Newspaper:

Federal Register:

* Branch

Not applicable

HomeFederal Bank, Columbus, Indiana, to 02/16/2007

establish a branch facility to be located at 1901

Taylor Road, Columbus, Indiana.

HOMEFEDERAL BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Isabella Bank and Trust, Mt. Pleasant,

Michigan, to merge with FSB Bank,

Breckenridge, Michigan, and thereby to

establish 5 branches.

ISABELLA BANK AND TRUST

* 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

60143 COMERICA BK, DETROIT, MICHIGAN 08/07/2006 02/08/2007 O Large 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 February 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, St. Louis, Missouri, to establish a 03/03/2007

branch facility to be located at 17000 Ventura

Boulevard, Suite 103, Encino, California.

FIRST 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 February 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

03/16/2007

Citizens Bancorp, Inc., Cadott, Wisconsin, to

become a bank holding company by acquiring

100 percent of Citizens State Bank, Cadott,

Wisconsin.

CITIZENS BANCORP, INC.

Newspaper:

Federal Register:

* 3A1

4c8

03/10/2007

03/19/2007

Montana Business Capital Corporation (to be

known as Bancorp of Montana Holding

Company), Missoula, Montana, to become a

bank holding company by acquiring 100

percent of Bank of Montana, Missoula,

Montana, a de novo bank. Applicant also

requests permission to engage in commercial

and residential loan origination activities

pursuant to section 225.28(b)(1) of Regulation

Y.

Montana Business Capital

Corporation

Newspaper:

Federal Register:

CIC Not available

02/05/2007

Notice by Robert Donavon Weerts and Jennifer

Lavon Weerts, both of Winnebago, Minnesota,

to gain control of Northern Star Financial,

Inc., Mankato, Minnesota, and thereby

indirectly gain control of Northern Star Bank,

Mankato, Minnesota.

NORTHERN STAR

FINANCIAL, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

State Bank Financial, La Crosse, Wisconsin,

proposes to purchase the assets and assume the

liabilities of the Sparta, Wisconsin, branch of

Acuity Bank, Tomah, Wisconsin, and incident

thereto establish a branch at 203 West

Wisconsin, Sparta, Wisconsin.

STATE BANK FINANCIAL

Newspaper:

Federal Register:

* 3A1 Not available

03/05/2007

Trinity Investments, Inc., Glen Ullin, North

Dakota, to become a bank holding company by

acquiring 100 percent of Bank of Glen Ullin,

Glen Ullin, North Dakota.

TRINITY INVESTMENTS, 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

564856 1ST BK, SIDNEY, MONTANA 10/30/2006 02/07/2007 S Small 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 February 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/28/2007

Notice by David and Joyce Sullivan, Elgin,

Nebraska, individually; and by Billy and Karen

Novak, and Alan and Kim Grossnicklaus,

Elgin, Nebraska, Terry and Rhonda Novak,

and Randy Novak, Neligh, Nebraska, and

Richard and Sandy Seckman, Schuyler,

Nebraska, as a group acting in concert; to

acquire control of Antelope Bancshares, Inc.,

parent of Bank of Elgin, both in Elgin,

Nebraska, through the acquisition of voting

shares.

ANTELOPE BANCSHARES,

INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Bank of Blue Valley, Overland Park, Kansas,

to purchase certain assets and assume certain

liabilities of the 9500 Lackman Road branch of

Northland National Bank, Gladstone,

Missouri, and incident thereto, to establish a

branch.

BANK OF BLUE VALLEY

Newspaper:

Federal Register:

Member Not applicable

Not applicable

CoBiz Bank, N.A., Denver, Colorado, to retain

its membership in the Federal Reserve System

following its conversion from a national to a

state charter.

COBIZ BANK, N.A.

Newspaper:

Federal Register:

* 3A3 02/26/2007

02/02/2007

Columbian Financial Corporation, Overland

Park, Kansas, to acquire 100 percent of the

voting shares of The Bank, Weatherford,

Texas.

COLUMBIAN FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Community Banks of Northern California, 03/12/2007

Tracy, California, to establish a branch at 800

J Street, Suite 100, Sacramento, California.

COMMUNITY BANKS OF

NORTHERN CALIFORNIA

Newspaper:

Federal Register:

* Branch

Not applicable

Community Banks of Northern California, 03/12/2007

Tracy, California, to establish a branch at 210

Towne Center Drive, Lathrop, California.

COMMUNITY BANKS OF

NORTHERN CALIFORNIA

Newspaper:

Federal Register:

* Branch

Not applicable

Cornerstone Bank, York, Nebraska, to 02/23/2007

establish a branch at 810 N. Diers Avenue,

Suite H, Grand Island, Nebraska.

CORNERSTONE BANK

Newspaper:

Federal Register:

* 3A1 Not available

03/19/2007

Farmers and Drovers Financial Corp., Council

Grove, Kansas, to become a bank holding

company through the acquisition of 100

percent of the voting shares of Farmers and

Drovers Bank, Council Grove, Kansas.

FARMERS AND DROVERS

FINANCAL CORP

Newspaper:

Federal Register:

* 3A1 Not available

03/05/2007

First Colorado Financial Corp., Paonia,

Colorado, to become a bank holding company

through the acquisition of 100 percent of the

voting shares of First National Bank of Paonia,

Paonia, Colorado.

FIRST COLORADO

FINANCIAL CORP.

Newspaper:

Federal Register:

CIC Not available

02/20/2007

Notice by Melanie Ranee Christain and Victor

Lee Christain, both of Oklahoma City,

Oklahoma, to acquire control of First State

Bancorporation of Watonga, Inc., parent of

First State Bank, both in Watonga, Oklahoma,

through the acquisition of voting shares.

FIRST STATE

BANCORPORATION OF

WATONGA, INC.

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

Federal Reserve Bank of Kansas City

Filings received during the week ending February 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/08/2007

Notification by Pella Fingersh Hillcrest Stock

Trust and Trust #2 for Julie Fingersh, Pella

Fingersh, Naples, Florida, trustee; Julie

Fingersh Hillcrest Stock Trust, Julie Fingersh,

San Rafael, California, trustee; Paul Fingersh

Hillcrest Stock Trust, Paul Fingersh, Kansas

City, Missouri, trustee; and Jack N. Fingersh

Family Trust and Indenture of Trust of Jack

Fingersh, dated 8-21-92, Jack Fingersh,

Naples, Florida, trustee; and JPJ Investments,

and FT Partners, LP, both in Kansas City,

Missouri and controlled by Jack Fingersh; to

retain control of Hillcrest Bancshares, Inc.,

parent of Hillcrest Bank, both in Overland

Park, Kansas, through the acquisition of voting

shares.

HILLCREST BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A1 03/12/2007

03/09/2007

OMEGA Capital Corp., Centennial, Colorado,

to become a bank holding company through

the acquisition of 100 percent of the voting

shares of Front Range Bancshares, Inc., parent

of Front Range Bank, both in Lakewood,

Colorado.

OMEGA CAPITAL CORP.

* 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

3020447 FARMERS BK, AULT, COLORADO 11/13/2006 02/07/2007 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 February 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 02/28/2007

02/28/2007

Notice by Mr. Clarence E. Leatherwood, III,

Dublin, Texas, pursuant to Section

225.42(b)(1)(i) of Regulation Y, to control up

to 30 percent of Dublin Bancshares, Inc.,

Dublin Texas, voting securities, and indirectly

First National Bank of Dublin, Dublin, Texas.

DUBLIN BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 03/10/2007

03/07/2007

Farmers & Merchants Bancshares, Inc.,

Houston, Texas, to acquire 100 percent of

Texas Premier Bank, N.A., Brookshire, Texas.

FARMERS & MERCHANTS

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 03/04/2007

03/07/2007

First Texas BHC, Inc., Fort Worth, Texas, to

become a bank holding company by acquiring

100 percent of Community Bank of Texas,

National Association, Grand Prairie, Texas.

FIRST TEXAS BHC, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice filed (as a group acting in concert) by

Mr. James E. Baxter, II, Richmond, Virginia,

Ms. Betty L. Baxter, Midlothian, Virginia, Mr.

James E. Baxter, Spent Spring, Virginia, Mr.

John W. Wright, Richmond, Virginia, Mr.

Curt D. Angstadt, Glen Allen, Virginia, and

Ms. Debra J. Angstadt, Glen Allen, Virginia,

(self-identified as the "Baxter Group") to

acquire a controlling interest in Premier

Bancshares, Inc., Garland, Texas, and

therefore indirectly, Synergy Bank, State

Savings Bank, Waco, Texas.

PREMIER BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 03/04/2007

03/08/2007

Notice by Mr. Harry Lynn Williams, Plano,

Texas, to increase his ownership to 13.20

percent of the voting common stock of Snook

Bancshares, Inc., Snook, Texas, and indirectly

First Bank of Snook, Snook, Texas.

SNOOK BANCSHARES, 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

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 February 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

03/08/2007

Castle Creek Capital Partners III LP, Castle

Creek Capital III LLC, Eggemeyer Capital

LLC, Ruh Capital LLC, Legions IV Advisory

Corp., all of Rancho Santa Fe, California, and

The BANKshares, Inc., Melbourne, Florida, to

acquire 100 percent of BankFIRST Bancorp,

and thereby indirectly acquire its subsidiary,

BankFIRST both of Winter Park, Florida.

CASTLE CREEK CAPITAL

PARTNERS III, L.P.

Newspaper:

Federal Register:

CIC Not available

02/28/2007

Notice by R. Scott Priest, Layton, Utah, to

retain his ownership of 15.55 percent of

Centennial Bankshares, Inc., and thereby

indirectly control its subsidiary, Centennial

Bank, both of Ogden, Utah.

CENTENNIAL BANKSHARES,

INC.

Newspaper:

Federal Register:

* 3A1 03/05/2007

03/16/2007

Fairfield Financial Holdings Corp., to become

a bank holding company by acquiring 100

percent of Bank of Fairfield, both of Fairfield,

Washington.

FAIRFIELD FINANCIAL

HOLDINGS CORP.

Newspaper:

Federal Register:

4c8 Not applicable

03/08/2007

NHB Holdings, Inc., and Proficio Mortgage

Ventures LLC, both of Jacksonville, Florida, to

engage de novo through a joint venture with

American International Relocation Solutions in

conducting mortgage banking activities

through Iris Mortgage Solutions, Pittsburgh,

Pennsylvania, pursuant to section 4(c)(8) of the

Bank Holding Company Act and section

225.28(b)(1) of Regulation Y.

NHB HOLDINGS, INC.

* 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

2453132 PIERCE CMRL BK, TACOMA, WASHINGTON 10/30/2006 02/14/2007 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act