Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 22

Week Ending June 2, 2007

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

Bank Holding Companies

Huntington Bancshares Incorporated, Columbus, Ohio -- to acquire Sky Financial 

Group, Inc., Bowling Green, and Sky Bank, Salineville; and for Huntington 

Bancshares' subsidiary, Penguin Acquisition, LLC, Baltimore, Maryland, to become 

a bank holding company and to merge with Sky Financial Group, Inc., Bowling 

Green, Ohio.

- Approved, May 31, 2007 

(AC) = Addition or Correction Board - Page 1 of 1
May 27, 2007 to June 2, 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 Out-Parcel 

A, Red Mill Walk, Upton Drive, Virginia Beach.

- Approved, May 31, 2007 

Richmond

Chesapeake Bank, Kilmarnock, Virginia -- to establish a branch between 608 and 

644 North Main Street.

- Approved, May 31, 2007 

Richmond

First State Bank of DeQueen, DeQueen, Arkansas -- to establish a branch at 202 

Main Street, Dierks.

- Approved, May 31, 2007 

St. Louis

First State Bank of DeQueen, DeQueen, Arkansas -- to establish a branch at 201 

South Washington Avenue, Murfreesboro.

- Approved, May 31, 2007 

St. Louis

Regions Bank, Birmingham, Alabama -- to establish branches at the intersection of 

Highway 31 and I-65, Alabaster; 887 East Altamonte Drive, Altamonte Springs, 

Florida; 11883 Indian Rocks Road, Largo; the intersection of Stoneybrook Parkway 

and Avalon Boulevard, Winter Garden; and 13832 Landstar Boulevard, Orlando.

- Approved, May 30, 2007 

Atlanta

Regions Bank, Birmingham, Alabama -- to establish a branch at the intersection of 

Highway 11-E and Clear Creek Road, Bristol, Tennessee.

- Withdrawn, May 31, 2007 

Atlanta

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

Bank Branches, Domestic

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 2545 Military Trail, 

Jupiter, Florida.

- Approved, May 29, 2007 

Secretary

Bank Holding Companies

Banco Bilbao Vizcaya Argentaria, S.A., Bilbao, Spain -- to acquire Compass 

Bancshares, Inc., Birmingham, Alabama, and thereby acquire its subsidiaries, 

Compass Bank and Central Bank of the South, Anniston; for Compass Bancshares' 

subsidiary, Circle Merger Corp., Birmingham, to become a bank holding company 

and to acquire Compass Bancshares; and for Banco Bilbao Vizcaya Argentaria's 

subsidiary, Blue Transaction Corporation, The Woodlands, Texas, to become a bank 

holding company through the merger of Circle Merger Corp. and Blue Transaction 

Corporation.

- Approved, May 31, 2007 

New York

BankFive, MHC, Fall River, Massachusetts, and BankFive Corporation -- to acquire 

New Bedford Community Bancorp, New Bedford, and its subsidiary, Luzo 

Community Bank.

- Approved, June 1, 2007 

Boston

Commerce Bancshares, Inc., Kansas City, Missouri, and CBI Kansas -- waiver of 

application in connection with the merger of Commerce Bank, N.A., and Commerce 

Bank, Aurora, Colorado.

- Granted, May 31, 2007 

Kansas City

CSB&T Bancorp, Inc., Nashville, Tennessee -- to become a bank holding company 

and to acquire Citizens Savings Bank and Trust Company.

- Withdrawn, May 31, 2007 

Atlanta

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

Bank Holding Companies

First American Investment, Inc., Lake Elmo, Minnesota -- to become a bank holding 

company and to acquire First American Bank, National Association, Hudson, 

Wisconsin, a de novo bank.

- Approved, May 29, 2007 

Minneapolis

Orange County Bancorp, Middletown, New York -- to acquire Orange County Trust 

Company.

- Approved, June 1, 2007 

New York

Bank Mergers

1st Bank, Sidney, Montana -- to purchase certain assets and assume certain 

liabilities of the Broadus branch of Rocky Mountain Bank, Billings, and thereby 

establish a branch.

- Approved, June 1, 2007 

Secretary

Change In Bank Control

Bloomer Bancshares, Inc., Bloomer, Wisconsin -- to retain control of Bloomer 

Bancshares, Inc.

- Permitted, May 30, 2007 

Minneapolis

Country Holding Corp., Austin, Texas -- to retain control of Country Holding Corp.

- Permitted, May 31, 2007 

Dallas

Innovative Bancorp, Oakland, California -- to retain control of Innovative Bancorp.

- Returned, May 31, 2007 

San Francisco

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

Extensions Of Time

A.N.B. Holding Company, Ltd., Terrell, Texas -- extension to September 13, 2007, 

to acquire 30 percent of the shares of The ANB Corporation, ANB Delaware 

Corporation, and its subsidiary, American National Bank.

- Granted, June 1, 2007 

Dallas

HNB Bancorp, Inc., Halifax, Pennsylvania -- extension to August 28, 2007, to 

become a bank holding company and to acquire Halifax National Bank.

- Granted, May 30, 2007 

Philadelphia

New England Bancshares, Inc., Enfield, Connecticut -- extension to July 31, 2007, 

to acquire First Valley Bancorp, Inc., Bristol, and Valley Bank, and to retain Enfield 

Federal Savings and Loan Association, Enfield.

- Granted, May 29, 2007 

Boston

Financial Holding Companies

Apple Financial Holdings, Inc., New York, New York -- election to become a 

financial holding company.

- Effective, May 29, 2007 

New York

First Trust Corporation, New Orleans, Louisiana -- election to become a financial 

holding company.

- Effective, May 31, 2007 

Atlanta

Great River Financial Group, Inc., Burlington, Iowa -- election to become a 

financial holding company.

- Effective, May 31, 2007 

Chicago

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

Membership

Capital Bank, San Juan Capistrano, California, a de novo bank -- to become a 

member of the Federal Reserve System.

- Approved, May 30, 2007 

San Francisco

Foothills Bank & Trust, Maryville, Tennessee -- to become a member of the Federal 

Reserve System.

- Approved, May 31, 2007 

Atlanta

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on May 9, 2007.

- Published, May 30, 2007 

FOMC

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

Federal Reserve Bank of Boston

Filings received during the week ending June 2, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Application by Medway Co-operative Bank,

Medway, MA, to become a member of the

Federal Reserve System pursuant to section 9

of the Federal Reserve Act and section 208.3 of

Regulation H.

MEDWAY CO-OPERATIVE

BANK

* 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

468806 NORTHEAST BK, LEWISTON, MAINE 02/20/2007 05/18/2007 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending June 2, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 06/14/2007

Application and Notice by Doral GP, Ltd.,

Doral Holdings, LP and Doral Holdings

Delaware, LLC all of New York, New York,

pursuant to Sections 3(a)(1) and 4(c)(8) of the

Bank Holding Company Act to acquire up to

95 percent of Doral Financial Corporation, San

Juan, Puerto Rico ("Doral") and thereby

acquire Doral's wholly-owned bank subsidiary,

Doral Bank, San Juan, Puerto Rico and Doral's

wholly-owned federal savings bank, Doral

Bank, FSB, New York, New York.

DORAL GP LTD.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Intesa Sanpaolo S.p.A., Turin, Italy, to retain

the federally licensed branch of former

Sanpoalo IMI, S.p.A., in New York, New

York.

INTESA SANPAOLO S.P.A.

* 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 June 2, 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

734613 BANK OF LANDISBURG, LANDISBURG, PENNSYLVANIA 01/08/2007 05/23/2007 O Small Bank

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 June 2, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Notice by The Commercial & Savings Bank, 06/07/2007

Millersburg, OH of its intent to establish a

branch at 91 North Clay Street, Millersburg,

OH.

COMMERCIAL AND SAVINGS

BANK OF MILLERSBURG,

OHIO, 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 June 2, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Other Foreign Not applicable

Not available

Bank of America Corporation, Charlotte,

North Carolina, to acquire U.S. Trust

Corporation, New York, New York, and

thereby indirectly acquire United States Trust

Company International Corporation.

BANK OF AMERICA

CORPORATION

Newspaper:

Federal Register:

* 3A5 Not available

07/03/2007

Bank of America Corporation, Charlotte,

North Carolina, to acquire 100% of the voting

securities of ABN AMRO North American

Holding Company, Chicago, Illionois, and

thereby indirectly acquire LaSalle Bank

National Association, Chicago, Illinois, and

LaSalle Bank Midwest National Association,

Troy, Michigan.

BANK OF AMERICA

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Citizens Community Bank, South Hill, 06/14/2007

Virginia, proposes to establish a branch at 778

Old Farm Road South, Roanoke Rapids, North

Carolina.

CITIZENS COMMUNITY

BANK

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Raleigh, North Carolina, 06/04/2007

to establish a branch at 612 S. McKenzie

Street, Foley, Alabama.

RBC CENTURA BANK

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Square 1 Financial, Inc., Durham, North

Carolina, to form a wholly owned subsidiary

and thereby engage in investment advisory and

private placement activities.

SQUARE 1 FINANCIAL, 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 June 2, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

First National Corporation, Savannah,

Georgia, after-the-fact change in control notice

filed by Mr. Heys Edward McMath, III,

Savannah, Georgia, to retain 10.32 percent of

the outstanding shares of First National

Corporation, and its subsidiary, First National

Bank, both of Savannah, Georgia.

FIRST NATIONAL

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 06/11/2007

establish a branch located at the corner of

HWY 11-E and Clear Creek Road, Bristol,

Virginia, to be known as the Lee Highway Exit

7 Branch.

REGIONS BANK

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Reliant Bank, Brentwood, Tennessee, to

become a member of the Federal Reserve

System.

RELIANT BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

SmartBank, Pigeon Forge, Tennessee,

after-the-fact branch application to establish a

branch located at 1011 Parkway, Sevierville,

Tennessee.

SMARTBANK

Newspaper:

Federal Register:

* Branch

Not applicable

Sun American Bank, Boca Raton, Florida, to 06/06/2007

establish a branch located at 2171 S.E. Federal

Highway, Stuart, 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

3368635 PARADISE BK, BOCA RATON, FLORIDA 02/05/2007 05/27/2007 S Small 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 June 2, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

12-day Notice - Bankers' Bancorporation, Inc.,

Madison, Wisconsin, proposes to engage de

novo in financial and investment advisory

activities.

BANKERS'

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A3 Not available

06/15/2007

Capitol Bancorp, Ltd., Lansing, Michigan and

Capitol Development Bancorp Limited VI,

Lansing, Michigan, to acquire 51 percent of

the voting shares of Issaquah Community Bank

(in organization), Issaquah, Washington.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 Not available

06/18/2007

Capitol Bancorp, Ltd., Lansing, Michigan and

Capitol Development Bancorp Limited VI,

Lansing, Michigan, to acquire 51 percent of

the voting shares of High Desert Bank (in

organization), Bend, Oregon, and thereby

operate a savings association.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

CIC Not available

06/04/2007

Notice by Audrey G. Savage, Monticello, Iowa,

individually and as trustee of the Audrey G.

Savage Revocable Inter Vivos Trust, to gain

control of Family Merchants Bancorporation,

Cedar Rapids, Iowa, and thereby indirectly

Family Merchants Bank, Cedar Rapids, Iowa.

FAMILY MERCHANTS

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 4c8 Not available

06/22/2007

First Mutual of Richmond, Inc., and Richmond

Mutual Bancorporation, Inc., both of

Richmond, Indiana, to acquire 100 percent of

the voting shares of Mutual Bancorp, Inc.,

Sidney, Ohio and thereby indirectly acquire

Mutual Federal Savings Bank, Sidney, Ohio,

and thereby operate a savings association.

FIRST MUTUAL OF

RICHMOND, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

M&I Marshall & Ilsley Bank, Milwaukee,

Wisconsin, to merge with Excel Bank

Minnesota, Minneapolis, Minnesota, and

thereby to establish 4 branches.

M&I MARSHALL & ILSLEY

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

130943 IRWIN UNION B&TC, COLUMBUS, INDIANA 07/24/2006 04/03/2007 S 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 June 2, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Notice by Bennie F. Ryburn, Jr., as sole voting 06/15/2007

trustee, to retain voting control of Drew

Bancshares, Inc's., stock held by the Bennie F.

Ryburn Family Trust, all of Monticello,

Arkansas.

DREW BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First Citizens Bank, Elizabethtown, Kentucky, 06/07/2007

to establish a branch facility to be located at

638 South Dixie Avenue, Radcliff, Kentucky.

FIRST CITIZENS BANK

Newspaper:

Federal Register:

* 3A3 06/30/2007

06/29/2007

First State Bancshares, Inc., Farmington,

Missouri, to acquire 100 percent of Progress

Bancshares, Inc., Sullivan, Missouri, and

thereby indirectly acquire Progress Bank,

Sullivan, Missouri.

FIRST STATE BANCSHARES,

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

525446 FARMERS BK, HARDINSBURG, KENTUCKY 02/05/2007 05/22/2007 O Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending June 2, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Bank of Baldwin, Baldwin, Wisconsin to

merge with Bank of Spring Valley Spring

Valley, Wisconsin and thereto establish

branches at 320 McKay Street Spring Valley,

Wisconsin and 409 Main Street Plum City,

Wisconsin.

FIRST BANK OF BALDWIN,

THE

Newspaper:

Federal Register:

* 3A3 Not available

06/18/2007

First National Bank of Sauk Centre Retirement

Savings & Employee Stock Ownership Plan

and Trust, Sauk Centre, Minnesota, and Sauk

Centre Financial Services Inc., Sauk Centre,

Minnesota, to acquire 100 percent of Lake

Country State Bank, Long Prairie, Minnesota.

FIRST NATIONAL BANK OF

SAUK CENTRE RETIREMENT

SAVINGS & EMPLOYEE

STOCK OWNERSHIP PLAN

AND TRUST

Newspaper:

Federal Register:

CIC Not available

06/20/2007

Notice by Mr. William M. Spang, Jr. of

Eveleth, Minnesota to gain control of

Timberland Bancorp, Baxter, Minnesota and

thereby indirectly gain control of First National

Bank of Buhl, Buhl, Minnesota.

TIMBERLAND BANCORP

* 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 June 2, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 06/05/2007

06/11/2007

BOK Financial Corporation, Tulsa, Oklahoma,

to acquire 100 percent of the voting shares of

United Banks of Colorado, Inc., Englewood,

Colorado, parent of First United Bank,

National Assocation, Englewood, Colorado.

BOK FINANCIAL

CORPORATION

Newspaper:

Federal Register:

CIC 06/13/2007

06/07/2007

Notice by Susie Covolik, Omaha, Nebraska, to

retain control of Clearwater Development Co.,

Inc., parent of Citizens State Bank, both in

Clearwater, Nebraska, through the retention of

voting shares.

CLEARWATER

DEVELOPMENT CO., INC.

Newspaper:

Federal Register:

* Branch

Not applicable

CoBiz Bank, Denver, Colorado, to establish a 06/11/2007

branch at 212 Chambers Avenue, #3, Eagle,

Colorado.

COBIZ BANK

Newspaper:

Federal Register:

* 3A3 Not available

06/29/2007

FirstBank Holding Company, Lakewood,

Colorado, to acquire up to 100 percent of the

voting shares of FirstBank of Arizona,

Phoenix, Arizona (in organization).

FIRSTBANK HOLDING

COMPANY

Newspaper:

Federal Register:

* 3A1 06/25/2007

06/25/2007

FSB Bancshares, Inc. to become a bank

holding company through the acquisition of

100 percent of the voting shares of First

Security Bank and Trust Company, both in

Oklahoma City, Oklahoma.

FSB BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

1004256 BUTTE ST BK, BUTTE, NEBRASKA 02/12/2007 05/08/2007 S Small Bank

236751 FIRST CMNTY BK, TAOS, NEW MEXICO 01/16/2007 05/08/2007 O Large 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 June 2, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 06/22/2007

06/25/2007

Providence Bancshares Corporation,

Southlake, Texas, to become a bank holding

company by acquiring 100 percent of

Providence Bank of Texas, Southlake, Texas

(in organization).

PROVIDENCE BANCSHARES

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

06/26/2007

TrustTexas Mutual Holding Company, Cuero,

Texas, and TrustTexas Financial Group, Inc.,

Cureo, Texas, to become bank holding

companies by acquiring 100 percent of

TrustTexas Bank, S.S.B., Cuero, Texas.

TRUSTTEXAS MUTUAL

HOLDING COMPANY

* 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

3296859 ONE WORLD BK, DALLAS, TEXAS 02/12/2007 05/16/2007 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending June 2, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 06/14/2007

06/08/2007

American Heritage Holdings to become a bank

holding company by acquiring 100 percent of

Borrego Springs Bank, N.A., both of La Mesa,

California.

AMERICAN HERITAGE

HOLDINGS

Newspaper:

Federal Register:

* 3A1 06/25/2007

06/25/2007

First Community Holdings to become a bank

holding company by acquiring 100 percent of

First Community Bank, both of Santa Rosa,

California.

FIRST COMMUNITY

HOLDINGS

* 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

995076 CACHE VALLEY BK, LOGAN, UTAH 12/04/2006 05/18/2007 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act