Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 4

Week Ending January 27, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions January 21, 2007 to January 27, 2007

Forms

Forms -- final Board review to extend with revision the Weekly Report of Dealer 

Positions (FR 2004A), Weekly Report of Cumulative Dealer Transactions (FR 

2004B), Weekly Report of Dealer Financing and Fails (FR 2004C), Weekly Report 

of Specific Issues (FR 2004SI), Daily Report of Specific Issues (FR 2004SD), and 

Daily Report of Dealer Activity in Treasury Financing (FR 2004WI).

- Approved, January 23, 2007 

Enforcement

Pacific Mercantile Bank, Costa Mesa, California -- issuance of a consent order of 

assessment of a civil money penalty.

- Announced, January 24, 2007 

Sumitomo Mitsui Banking Corporation, Tokyo, Japan, and its New York, New 

York branch -- written agreement dated January 22, 2007, with the Federal Reserve 

Bank of New York and the New York State Banking Department.

- Announced, January 24, 2007 

(AC) = Addition or Correction Board - Page 1 of 1
January 21, 2007 to January 27, 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 8468 

Caratoke Highway, Powells Point, North Carolina.

- Approved, January 24, 2007 

Richmond

First Commercial Bank of Florida, Orlando, Florida -- to establish a branch at 800 

Deltona Boulevard, Deltona.

- Approved, January 25, 2007 

Atlanta

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

branch at 313 Ushers Road, Ballston Lake.

- Approved, January 26, 2007 

Secretary

Bank Holding Companies

Bancorp Financial, Inc., Evergreen Park, Illinois -- to become a bank holding 

company and to acquire Evergreen Community Bank.

- Approved, January 24, 2007 

Chicago

City National Corporation, Beverly Hills, California -- to merge with Business 

Bank Corporation, Las Vegas, Nevada, and thereby acquire Business Bank of 

Nevada.

- Approved, January 25, 2007 

San Francisco

Danvers Bancorp, Inc., Danvers, Massachusetts -- to acquire BankMalden 

Cooperative Bank, Malden.

- Approved, January 24, 2007 

Boston

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority January 21, 2007 to January 27, 2007

Bank Holding Companies

EHPW Acquisition Company, Harrisburg, Pennsylvania -- to become a bank 

holding company and to acquire Vartan National Bank and Vartan Financial 

Corporation.

- Approved, January 23, 2007 

Philadelphia

Fairfield Financial Holding Corp., Fairfield, Washington -- to become a bank 

holding company and to acquire Bank of Fairfield.

- Withdrawn, January 26, 2007 

San Francisco

First American Financial Holdings, Inc., Nashville, Tennessee -- to become a bank 

holding company and to acquire Planters Bank of Tennessee, Maury City.

- Approved, January 22, 2007 

St. Louis

First Fidelity Bancorp, Inc., Oklahoma City, Oklahoma -- to acquire Western 

Security Holding Co., Ltd., Scottsdale, Arizona, and thereby acquire Western 

Security Bank.

- Approved, January 24, 2007 

Kansas City

First Sleepy Eye Bancorporation, Inc., Sioux Falls, South Dakota -- to acquire Lake 

Benton Bancorporation, Inc., Sioux Falls, and thereby acquire First Security BankLake Benton, Lake Benton, Minnesota.

- Approved, January 22, 2007 

Minneapolis

Franklin Resources, Inc., San Mateo, California -- to retain control of 24.4 percent 

of the shares of First Chicago Bancorp, Chicago, Illinois, and thereby retain control 

of its subsidiary, First Chicago Bank & Trust.

- Approved, January 25, 2007 

San Francisco

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority January 21, 2007 to January 27, 2007

Bank Holding Companies

Larch Bancorporation, Inc., Larchwood, Iowa -- waiver of application to acquire 

George State Bank, George, in connection with the merger of George State Bank 

with Security Savings Bank, Larchwood.

- Granted, January 26, 2007 

Chicago

Marshall & Ilsley Corporation, Milwaukee, Wisconsin -- to acquire United Heritage 

Bankshares of Florida, Inc., Longwood, Florida, and thereby acquire United 

Heritage Bank.

- Approved, January 26, 2007 

Secretary

Prosperity Bancshares, Inc., Houston, Texas -- waiver of application requirement to 

merge with Texas United Bancshares, Inc., La Grange, and thereby acquire State 

Bank; Gateway National Bank, Dallas; GNB Financial N.A., Gainesville; and 

Northwest Bank, Roanoke.

- Granted, January 26, 2007 

Dallas

Sandy Spring Bancorp, Inc., Olney, Maryland -- to acquire Potomac Bank of 

Virginia, Fairfax, Virginia; and for Sandy Spring Bank, Olney, Maryland, to merge 

with Potomac Bank of Virginia and retain the acquired facilities as branches.

- Approved, January 24, 2007 

Secretary

Signature Bancshares, Inc., Sandy Springs, Georgia -- to become a bank holding 

company and to acquire Signature Bank of Georgia, Dunwoody.

- Approved, January 26, 2007 

Atlanta

Bank Mergers

First Banks, Inc., Hazelwood, Missouri, and The San Francisco Company, 

Clayton -- to acquire Royal Oaks Bancshares, Inc., Houston, Texas, and thereby 

acquire Royal Oaks Bank, SSB; and for First Bank, St. Louis, Missouri, to merge 

with Royal Oaks Bank, SSB and retain the acquired facilities as branches.

- Approved, January 25, 2007 

St. Louis

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority January 21, 2007 to January 27, 2007

Change In Bank Control

Coastal Bankshares, Inc., Savannah, Georgia -- change in bank control.

- Permitted, January 23, 2007 

Atlanta

First Fidelity Bancorp, Inc., Oklahoma City, Oklahoma -- change in bank control.

- Permitted, January 24, 2007 

Kansas City

Competitive Factors Reports

Evergreen Community Bank, Evergreen Park, Illinois -- report on competitive 

factors of the proposed merger with Evergreen Interim Bank.

- Submitted, January 26, 2007 

Chicago

Extensions Of Time

New York Private Bank & Trust Corporation, New York, New York; Emigrant 

Bancorp, Inc.; and Emigrant Bank -- extension to February 9, 2007, to acquire 

EmigrantDirect Bank, Ossining, a de novo bank.

- Granted, January 26, 2007 

New York

AmSouth Bank, Birmingham, Alabama -- extension to February 21, 2008, to 

establish a branch at the intersection of Memorial Parkway and Lokey Avenue, 

Murfreesboro, Tennessee.

- Granted, January 23, 2007 

Atlanta

AmSouth Bank, Birmingham, Alabama -- extension to April 19, 2008, to establish a 

branch at the intersection of Highway 98 and Front Beach Road, Panama City 

Beach, Florida.

- Granted, January 23, 2007 

Atlanta

Oglethorpe Bank Holding Company, Brunswick, Georgia -- extension to May 17, 

2007, to become a bank holding company and to acquire Oglethorpe Bank.

- Granted, January 22, 2007 

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority January 21, 2007 to January 27, 2007

Extensions Of Time

Virginia Commerce Bank, Arlington, Virginia -- extension to July 26, 2007, to 

establish a branch at Ryan Park Center and Yukon Drive, Ashburn.

- Granted, January 22, 2007 

Richmond

Membership

Anchor Commercial Bank, Juno Beach, Florida -- to become a member of the 

Federal Reserve System.

- Approved, January 26, 2007 

Atlanta

(AC) = Addition or Correction Delegated - Page 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending January 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

* 3A3 Not available

Assabet Valley Bancorp, Hudson,

Massachusetts to acquire Westborough

Bancorp, MHC, Westborough Financial

Services, Inc. and The Westborough Bank, all

located in Westborough, Massachusetts,

pursuant to sections 3(a)(3) and 3(a)(5) of the

BHC Act.

ASSABET VALLEY BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 02/26/2007

New England Bancshares, Inc., Enfield, CT -

section 3(a)(1)/4(c)(8) application to acquire

First Valley Bancorp, Inc., Bristol, CT and its

subsidiary bank, Valley Bank, Bristol, CT, and

to retain Enfield Federal Savings and Loan

Association, Enfield, CT.

NEW ENGLAND

BANCSHARES, 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 January 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Bancorp of New Jersey, Inc., requests to

become a one-bank holding company, pursuant

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

225.15 of Regulation Y, by acquiring Bank of

New Jersey, both of Fort Lee, New Jersey.

Bancorp of New Jersey, Inc.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Caixa Economica Federal, Distrito Federal,

Brazil, to establish a representative office in

Jersey City, New Jersey, pursuant to Section

10(a) of the International Banking Act of 1978,

as amended, and Section 211.24(a)(1) of

Regulation K.

Caixa Economica Federal

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 January 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

George W. Connell, Radnor, PA, to purchase

up to 19.9% of the voting shares of Bryn Mawr

Bank Corporation, Bryn Mawr, PA.

BRYN MAWR BANK

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Pennsylvania State Bank, Camp Hill, PA, 01/30/2007

proposes to establish a branch office located at

114 North Second Street, Harrisburg, PA,

pursuant to Section 9 of the Federal Reserve

Act.

PENNSYLVANIA STATE

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 January 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Jerry D. Greer to gain control of

Cumberland Valley Financial Corporation,

London, Kentucky, and indirectly gain control

of Cumberland Valley National Bank & Trust

CUMBERLAND VALLEY

FINANCIAL CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 01/25/2007

establish a branch at 11118 Olive Street, Creve

Coeur, MO.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 01/25/2007

establish a branch at 14204 Manchester Road,

Ellisville, MO.

FIFTH THIRD BANK

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:

* 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

* 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 January 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of the Commonwealth, Norfolk, 02/02/2007

Virginia, proposes to establish a branch at

5460 Wesleyan Drive, Virginia Beach,

Virginia.

BANK OF THE

COMMONWEALTH

Newspaper:

Federal Register:

* 4c8 02/09/2007

02/23/2007

BB&T Corporation, Winston-Salem, North

Carolina, to acquire 100% of the voting

securities of Coastal Financial Corporation,

Myrtle Beach, South Carolina, and thereby

indirectly acquire Coastal Federal Bank,

Myrtle Beach, South Carolina, and engage in

operating a savings association, and indirectly

acquire Coastal Planners Holding Corporation,

Myrtle Beach, South Carolina, which is the

holding company of Coastal Retirement, Estate

& Tax Planners, Inc., Myrtle Beach, South

Carolina, and engage in the activities of

financial planning and tax preparation

services, and indirectly acquire Coastal Federal

Holding Corporation, Wilmington, Delaware,

which is the holding company of Coastal Real

Estate Investment Corporation, Sunset Beach,

North Carolina, and engage in the activities of

acquiring and servicing loans.

BB&T CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

New Peoples Bank, Inc., Honaker, Virginia, 02/06/2007

proposes to establish a branch at the Southeast

corner of Maine and Brick Street, Bramwell,

West Virginia.

NEW PEOPLES BANK, INC.

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending January 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 02/02/2007

02/12/2007

ATB Management, LLC, Birmingham,

Alabama, to become a bank holding company

by acquiring control of ATB Holdings, LLC,

Birmingham, Alabama, and indirectly aquiring

control of Alabama Trust Bank, N.A.,

Sylacauga, Alabama.

ATB MANAGEMENT, LLC

Newspaper:

Federal Register:

CIC 02/14/2007

02/15/2007

First Federal Bancorp, prior change in control

notice filed by Brenda Morris Griner, to

acquire an additional 3.37 percent of the

outstanding shares of First Federal Bancorp

and its subsidiary, First Southern Bank, all of

Columbia, Mississippi. Total ownership will

equal 20.70 percent.

FIRST FEDERAL BANCORP

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 02/02/2007

establish branches at the following locations:

the intersection of 54th Avenue South and

28th Street South, St. Petersburg, Florida, to be

known as the Lakewood Branch; 2903 James

L. Redman Parkway, Plant City, Florida, to be

known as the South Plant City Branch; the

intersection of Rock Springs Road and Welch

Road, Apopka, Florida, to be known as the

Rock Springs Branch; 902 Cypress Parkway,

Kissimmee (Poinciana), Florida, to be known

as the Poinciana Branch; and 6601 Clinton

Highway, Knoxville, Tennessee, to be known

as the Powell Branch.

REGIONS BANK

Newspaper:

Federal Register:

* 18C

Not applicable

Sun American Bank, Boca Raton, Florida, to 02/26/2007

merge with Independent Community Bank,

Tequesta, Florida.

SUN AMERICAN BANK

Newspaper:

Federal Register:

* Branch

Not applicable

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

branches at the following locations: 8126

Lakewood Main Street, Suite 201, Bradenton,

Florida, to be known as the Manatee Private

Wealth Management Office; 741 N Main

Street, Summerville, South Carolina, to be

known as the Summerville Office; 3974

Highway 17 North, Mt. Pleasant, South

Carolina, to be known as the Ivy Hall Office;

539 St. James Avenue, Goose Creek, South

Carolina, to be known as the Goose Creek

Office; and 6500 Eastern Avenue, Baltimore,

Maryland, to be known as the Anchor Square

Office.

SUNTRUST BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending January 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 02/20/2007

02/02/2007

Millennium Bancorp, Inc., Morton Grove,

Illinois, to become a bank holding company by

acquiring 100 percent of the voting shares of

Millennium Bank (in organization), Des

Plaines, Illinois.

MILLENNIUM BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

02/23/2007

Partnership Community Bancshares, Inc.,

Tomah, Wisconsin, to become a bank holding

company by acquiring 91 percent of the voting

shares of The Bancorp of Tomah, Inc., Tomah,

Wisconsin, and thereby indirectly acquire First

Bank, Tomah, Wisconsin.

PARTNERSHIP COMMUNITY

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Security Savings Bank, Gowrie, Iowa, to 02/02/2007

establish a branch facility to be located at 39

South Main, Dayton, Iowa.

SECURITY SAVINGS BANK

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending January 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 02/17/2007

02/23/2007

Central Bancompany, Inc., Jefferson City,

Missouri, to acquire 100 percent of

Twenty-First Century Financial Services

Company, Tulsa, Oklahoma, and thereby

indirectly acquire ONB Bank and Trust

Company, Tulsa, Oklahoma.

CENTRAL BANCOMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, St. Louis, Missouri, to establish a 02/06/2007

branch facility to be located at 23501 Cinco

Ranch Boulevard, Suite K100, Katy, Texas.

FIRST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, St. Louis, Missouri, to establish a 02/06/2007

branch facility to be located at 109 Ferrari

Ranch Road, Lincoln, 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 January 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

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:

CIC Not available

02/13/2007

Change in control notice by Duane A.

Kurokawa and Rosella Kurokawa, both of Wolf

Point, Montana, to acquire 25 percent or more

of the shares of Western Holding Company of

Wolf Point, Wolf Point, Montana, and thereby

indirectly acquire control of Western Bank of

Wolf Point, Wolf Point, Montana.

WESTERN HOLDING

COMPANY OF WOLF POINT

* 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 January 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

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:

* 3A3 02/15/2007

02/12/2007

Country Bank Shares, Inc., Milford, Nebraska,

to acquire 100 percent of the voting shares of

Mid-Nebraska Company, Inc., parent of

Kearney State Bank and Trust Company, both

in Kearney, Nebraska.

COUNTRY BANK SHARES,

INC.

Newspaper:

Federal Register:

CIC 02/05/2007

02/07/2007

Notification by John P. Stinner and Rita E.

Stinner, both of Gering, Nebraska, to acquire

control of First Express of Nebraska, Inc.,

Gering, Nebraska, parent of Valley Bank and

Trust Company, Scottsbluff, Nebraska, through

the acquisition of voting shares.

FIRST EXPRESS OF

NEBRASKA, INC.

Newspaper:

Federal Register:

* 3A1 Not available

02/16/2007

First Wyoming Bancorporation of Laramie to

become a bank holding company through the

acquisition of 100 percent of the voting shares

of Wyoming State Bank, both in Laramie,

Wyoming.

FIRST WYOMING

BANCORPORATION OF

LARAMIE

Newspaper:

Federal Register:

CIC Not available

01/30/2007

Notification by Nancy A. Strohmeyer,

Lakewood, Colorado, to retain control of

FirstBank Holding Company, parent of

FirstBank of Colorado, both in Lakewood,

Colorado.

FIRSTBANK HOLDING

COMPANY

* 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 January 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 02/17/2007

02/16/2007

Family Bancorp, Inc., San Antonio, Texas, to

become a bank holding company by acquiring

100 percent of The First National Bank of

Refugio, Refugio, Texas.

FAMILY BANCORP, 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 January 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Waived

01/19/2007

Franklin Resources, Inc., San Mateo,

California, to retain control of 24.4 percent of

First Chicago Bancorp, and thereby indirectly

retain control of its subsidiary, First Chicago

Bank & Trust, both of Chicago, Illinois.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

* 3A3 02/12/2007

02/05/2007

Security Pacific Bancorp, Los Angeles,

California, to acquire up to 24.9 percent of

Pacific Premier Bancorp, Inc., and thereby

indirectly acquire shares of its subsidiary,

Pacific Premier Bank, both of Costa Mesa,

California.

SECURITY PACIFIC BANCORP

Newspaper:

Federal Register:

* 3A5 02/18/2007

02/20/2007

Western Alliance Bancorporation, Las Vegas,

Nevada, to merge with First Independent

Capital of Nevada, Reno, Nevada, and thereby

indirectly acquire its subsidiary bank, First

Independent Bank of Nevada, Reno, Nevada.

WESTERN ALLIANCE

BANCORPORATION

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act