Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 3

Week Ending January 20, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions January 14, 2007 to January 20, 2007

Testimony And Statements

Long-term fiscal challenges -- statement by Chairman Bernanke before the Senate 

Committee on the Budget.

- Published, January 18, 2007 

(AC) = Addition or Correction Board - Page 1 of 1
January 14, 2007 to January 20, 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

1st United Bank, Boca Raton, Florida -- to establish a branch at 1948 Harrison 

Street, Hollywood.

- Approved, January 17, 2007 

Atlanta

CommerceFirst Bank, Annapolis, Maryland -- to establish a branch at 485 Ritchie 

Highway, Severna Park.

- Approved, January 18, 2007 

Richmond

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

branches at the Park and Ride Lot on Millpond Parkway, Monroe, and 2270 Erin 

Court, Lancaster, Pennsylvania.

- Approved, January 19, 2007 

Secretary

Resource Bank, Virginia Beach, Virginia -- to establish a branch at 9012 Church 

Street, Manassas.

- Approved, January 19, 2007 

Richmond

Town Bank, Delafield, Wisconsin -- to convert its main office at 400 Genesee 

Street into a branch office.

- Approved, January 19, 2007 

Chicago

Bank Holding Companies

Blue Valley Ban Corp., Overland Park, Kansas -- to acquire Unison Bancorp, Inc., 

Lenexa, parent of Western National Bank.

- Approved, January 19, 2007 

Kansas City

(AC) = Addition or Correction Delegated - Page 1 of 3
H.2 Actions under delegated authority January 14, 2007 to January 20, 2007

Bank Holding Companies

First Citrus Bancorporation, Inc., Tampa, Florida -- to become a bank holding 

company and to acquire First Citrus Bank.

- Approved, January 16, 2007 

Atlanta

Heartland Bancorp, Inc., Bloomington, Illinois -- to acquire First Federal 

Bancshares, Inc., Colchester, and thereby acquire First Federal Bank and operate a 

savings association.

- Approved, January 19, 2007 

Chicago

InsCorp, Inc., Nashville, Tennessee -- to acquire 50 percent (for a total of 100 

percent) of the shares of Insurors Bank of Tennessee.

- Approved, January 19, 2007 

Atlanta

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

requirements in connection with the proposed merger with PennFed Financial 

Services, Inc., West Orange, New Jersey.

- Withdrawn, January 16, 2007 

New York

USAmeriBancorp, Inc., Key Largo, Florida -- to become a bank holding company 

and to acquire USAmeriBank, a de novo bank.

- Approved, January 19, 2007 

Atlanta

Bank Mergers

Second Bank & Trust, Culpeper, Virginia -- to merge with Virginia Heartland 

Bank, Fredericksburg.

- Approved, January 16, 2007 

Richmond

Change In Bank Control

First Artesia Bancshares, Inc., Artesia, New Mexico -- change in bank control.

- Permitted, January 18, 2007 

Dallas

(AC) = Addition or Correction Delegated - Page 2 of 3
H.2 Actions under delegated authority January 14, 2007 to January 20, 2007

Change In Bank Control

First Federal Bancorp, Columbia, Mississippi -- change in bank control.

- Withdrawn, January 18, 2007 

Atlanta

Extensions Of Time

Capital City Bank, Tallahassee, Florida -- extension to December 18, 2006, to 

establish a branch at 1601 Bass Road, Macon, Georgia.

- Granted, January 17, 2007 

Atlanta

Central Financial Holdings, Inc., Tampa, Florida -- extension to May 16, 2007, to 

become a bank holding company and to acquire Central Bank, a de novo bank.

- Granted, January 18, 2007 

Atlanta

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to April 20, 

2007, to establish a branch at 75th Avenue and Lower Buckeye Road, Phoenix, 

Arizona.

- Granted, January 17, 2007 

Chicago

Southwest Bank of St. Louis, St. Louis, Missouri -- extension to April 30, 2007, to 

establish a branch at Highway K and Laura Hill Road, O'Fallon.

- Granted, January 17, 2007 

Chicago

Membership

TriSummit Bank, Kingsport, Tennessee, a de novo bank -- to become a member of 

the Federal Reserve System.

- Approved, January 19, 2007 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 3
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending January 20, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 01/21/2007

01/26/2007

Bangor Bancorp, MHC, Bangor, Maine to

become a bank holding company pursuant to

section 3(a)(1) of the BHC Act in connection

with the reorganization of Bangor Savings

Bank, Bangor, Maine, into a mutual bank

holding company structure.

BANGOR BANCORP, MHC

Newspaper:

Federal Register:

* 3A1

* 3A3

01/18/2007

01/22/2007

Application by Spencer MHC and Spencer

Mid-tier Holding Company, both of Spencer,

Massachusetts, to become a mutual bank

holding company and stock bank holding

company, respectively, by acquiring Spencer

Savings Bank, Spencer, Massachusetts,

pursuant to sections 3(a)(1) and 3(a)(3) of the

Bank Holding Company Act of 1956, as

amended.

Spencer 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 January 20, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

M&T Bank Corporation, Buffalo, New York,

and its largest shareholder, Allied Irish Banks,

p.l.c., Dublin, Ireland, provide twelve days

prior notice to the Board of Governors of the

Federal Reserve System ("the Board"),

pursuant to Section 4(c)(8) of the Bank

Holding Company Act of 1956, as amended,

and Section 225.23 of the Board's Regulation

Y, to acquire 20 percent of the voting interests

of Bayview Lending Group, LLC, Coral

Gables, Florida, ("BLG"). BLG engages in the

business of originating small balance

commercial mortgage and multi-family

residential mortgage loans in the United States,

Canada and the United Kingdom through

several wholly-owned subsidiaries

M&T BANK CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 01/24/2007

Buffalo, New York request to open and occupy

a limited branch to be opened at Northway 10

Executive Park, 313 Ushers Road, Ballston

Lake, Saratoga County, NY. ("Albany

Mortgage Center").

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 January 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 January 20, 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 4999 North Tanner Road,

Orlando, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

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

establish a branch at 4104 Conroy Road,

Orlando, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

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

establish a branch at 107 North U.S. Highway

1792, Longwood, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

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

establish a branch at 12181 West Hillsborough

Avenue, Tampa, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

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

establish a branch at 2501 North Avenue,

Melrose, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

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

establish a branch at 1111 South Alpine Road,

Rockford, IL.

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:

* 3A3 01/27/2007

02/05/2007

Middlefield Banc Corp., Middlefield, Ohio to

acquire 100 percent of the voting shares of

Emerald Bank, Dublin, Ohio

MIDDLEFIELD BANC CORP.

Newspaper:

Federal Register:

* 3A5 01/25/2007

01/26/2007

Park National Corporation, Newark, Ohio, to

acquire 100 percent of Vision Bancshares, Inc.,

Panama City, Florida, and thereby indirectly

acquire Vision Bank, Gulf Shores, Alabama,

and Vision Bank, Panama City, Florida

PARK NATIONAL

CORPORATION

Newspaper:

Federal Register:

* 18C Not available

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 20, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Gassaway, Gassaway, West Virginia, 02/01/2007

proposes to establish a branch at 1960 Sutton

Lane, Sutton, West Virginia.

BANK OF GASSAWAY

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Virginia, Midlothian, Virginia, 01/29/2007

proposes to establish a branch at 906

Branchway Road, Richmond, Virginia.

BANK OF VIRGINIA

Newspaper:

Federal Register:

* 4c8 Not available

Not available

BB&T Corporation, Winston-Salem, North

Carolina, to acqire 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, Myrtle Beach, South

Carolina, which is the holding company of

Coastal Real Estate Investment Corporation,

Myrtle Beach, South Carolina, and engage in

the activities of acquiring and servicing loans.

BB&T CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Virginia Commerce Bank, Arlington, Virginia, 02/05/2007

proposes to establish a branch at 6335

Multiplex Drive, Centreville, Virginia.

VIRGINIA COMMERCE BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Virginia Commerce Bank, Arlington, Virginia, 02/05/2007

proposes to establish a branch at Lot 5A

Parcels A&B, Section 1 "Princeton Woods

Shopping Center," Dumfries, Virginia.

VIRGINIA COMMERCE BANK

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending January 20, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Americus Financial Services, Inc.,

Birmingham, Alabama, notice to become a

bank holding company by acquiring Red

Mountain Bank, N.A., Birmingham, Alabama.

AMERICUS FINANCIAL

SERVICES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

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:

* 3A1 01/29/2007

02/09/2007

First Citizens Financial Corporation,

Dawsonville, Georgia, to become a bank

holding company by acquiring 100 percent of

the outstanding shares of First Citizens Bank

of Georgia, Dawsonville, Georgia (in

organization).

FIRST CITIZENS FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Sun American Bank, Boca Raton, Florida, to

merge with Independent Community Bank,

Tequesta, Florida.

SUN AMERICAN 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 20, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 01/26/2007

a branch facility to be located at 23718-B El

Toro Road, Lake Forest, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 01/26/2007

a branch facility to be located at 2500 E.

Imperial Highway, Suite 190, Brea, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 01/26/2007

a branch facility to be located at 10111 W.

Adams Avenue, Suite 101, Huntington Beach,

California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

G.W. Jones Exchange Bank, Marcellus, 01/08/2007

Michigan, to establish a branch facility to be

located at Meijer, 800 U.S. 131, Three Rivers,

Michigan.

G.W. JONES EXCHANGE

BANK

Newspaper:

Federal Register:

* 3A1 01/31/2007

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:

* Branch

Not applicable

Town Bank, Delafield, Wisconsin, to convert 12/15/2006

its main office located at 400 Genesee Street,

Delafield, Wisconsin, into a branch office.

TOWN 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 20, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

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:

Member Not applicable

Not applicable

Delta Southern Bank, Ruleville, Mississippi, to

become a member of the Federal Reserve

System.

DELTA SOUTHERN BANK

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Elk Horn Bank and Trust Company,

Arkadelphia, Arkansas, to become a member

of the Federal Reserve System.

ELK HORN BANK AND TRUST

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Farmers Bank and Capital Trust Company, 01/27/2007

Frankfort, Kentucky, to establish a branch

facility to be located at 1401 Louisville Road,

Frankfort, Kentucky.

FARMERS BANK & CAPITAL

TRUST COMPANY

Newspaper:

Federal Register:

* 3A1 02/15/2007

02/20/2007

Heritage Bancorp, Inc., Mason, Tennessee, to

become a bank holding company by acquiring

50 percent of Fayette Bancorp, Inc., Mason,

Tennessee, and thereby indirectly acquire

Mason Bancorp, Inc., Mason, Tennesse and

Bank of Mason, Mason, Tennessee.

HERITAGE BANCORP, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending January 20, 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

Not available

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, 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 20, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Foreign Branch Not applicable

Not applicable

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

establish a foreign branch in Grand Cayman,

Cayman Islands, pursuant to Section

211.3(b)(2)of Regulation K.

COBIZ BANK, N.A.

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

01/12/2007

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 01/16/2007

01/18/2007

Notice by David E. Pfrang, Goff, Kansas, and

Judy L. Georg, Sabetha, Kansas, to become

members of a group acting in concert, to

acquire control of Farmers State Bankshares,

Inc., parent of Farmers State Bank, both in

Circleville, Kansas.

FARMERS STATE

BANKSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

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:

* 3A3

* 18C

* Branch

01/13/2007

01/05/2007

First State Bancorporation, Albuquerque, New

Mexico, to acquire 100 percent of the voting

shares of Front Range Capital Corporation,

parent of Heritage Bank, both in Louisville,

Colorado. First Community Bank, Taos, New

Mexico, to merge with Heritage Bank,

Louisville, Colorado, and incident thereto, to

establish thirteen branches at 2775 Pearl Street

and 1900 Ninth Street, both in Boulder; 811

South Public Road and 2695 North Park Drive,

Suite 101, both in Lafayette; 1543 Wazee

Street and 3850 York Street, both in Denver;

1020 Century Drive and 801 Main Street, both

in Louisville; Erie, Broomfield, Longmont,

Niwot, and Firestone, all in Colorado.

FIRST STATE

BANCORPORATION

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

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 20, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

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 20, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

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:

* 3A3 Not available

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:

Member Not applicable

Not applicable

Pacific Premier Bank, Costa Mesa, California,

to become a member of the Federal Reserve

System.

PACIFIC PREMIER BANK

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Redwood Capital Bancorp to become a bank

holding company by acquiring Redwood

Capital Bank, both of Eureka, California.

Redwood Capital Bancorp

Newspaper:

Federal Register:

* 3A3 Not available

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

* 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