Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 37 

Week Ending September 15, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
Bank Holding Companies

Bank of America Corporation, Charlotte, North Carolina -- to acquire ABN 

AMRO North America Holding Company, Chicago, Illinois, and thereby acquire 

LaSalle Bank Corporation, LaSalle Bank National Association, Chicago, and 

LaSalle Bank Midwest National Association, Troy, Michigan.

- Approved, September 12, 2007

Board Operations

Division of International Finance -- appointment of D. Nathan Sheets as Director 

and Karen H. Johnson as Senior Adviser, effective September 23, 2007.

- Approved, September 10, 2007

Enforcement

Putnam-Greene Financial Corporation, Eatonton, Georgia -- written agreement 

dated April 16, 2004, terminated August 22, 2007.

- Announced, September 11, 2007

H.2 Board Actions September 9, 2007 to September 15, 2007

(A/C) = Addition or Correction Board - Page 1 of 1
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operational and Payment System

IF International Finance

OSDM Office of Staff Director for Management

September 9, 2007 to September 15,

Bank Branches, Domestic

American Security Bank, Santa Ana, California -- to establish a branch at 2163 

Compton Avenue, Corona.

San Francisco

- Approved, September 10, 2007

Community Banks of Colorado, Greenwood Village, Colorado -- to establish a 

branch at 280 Main Street, Edwards.

Kansas City

- Approved, September 14, 2007

First Interstate Bank, Billings, Montana -- to establish a branch at 8111 Highway 35, 

Bigfork.

Secretary

- Approved, September 12, 2007

The Friendship State Bank, Friendship, Indiana -- to establish a branch at 1362 State 

Road 46E, Batesville.

Chicago

- Approved, September 14, 2007

LegacyTexas Bank, Plano, Texas -- to establish a branch at 3000 West 7th Street, 

Fort Worth.

Dallas

- Approved, September 13, 2007

(A/C) = Addition or Correction Delegated - 1 of 8
Bank Branches, Domestic

M&T Bank, Buffalo, New York -- to establish a branch at 1030 Jackson Avenue, 

Queens.

Secretary

- Approved, September 11, 2007

M&T Bank, Buffalo, New York -- to establish a branch at 398 Harrisburg Avenue, 

Suite 200, Lancaster, Pennsylvania.

Secretary

- Approved, September 11, 2007

NARA Bank, Los Angeles, California -- to establish a branch at 807 East 12th Street.

San Francisco

- Approved, September 10, 2007

PlainsCapital Bank, Lubbock, Texas -- to establish a branch at 9802 Quaker Avenue.

Dallas

- Approved, September 12, 2007

Sterling Bank, Lantana, Florida -- to establish a branch at 2465 Wilton Drive, Wilton 

Manors.

Atlanta

- Withdrawn, September 12, 2007

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 8610 Dorchester Road, 

North Charleston, South Carolina.

Secretary

- Approved, September 5, 2007

(A/C)

H.2 Actions under delegated authority September 9, 2007 to September 15,

(A/C) = Addition or Correction Delegated - 2 of 8
Bank Holding Companies

ABCT Holdings, Inc., Waco, Texas -- to become a bank holding company and to 

acquire State Bank of Jewett, Jewett.

Dallas

- Approved, September 12, 2007

American State Bancshares, Inc., Great Bend, Kansas -- to acquire Intra Financial 

Corp., Concordia; and for IFC Acquisition Corp., Great Bend, to become a bank 

holding company and to acquire Intra Financial Corp.

Kansas City

- Approved, September 13, 2007

BancTenn Corporation, Kingsport, Tennessee -- to acquire shares of Paragon 

Commercial Corporation, Raleigh, North Carolina, and thereby acquire Paragon 

Commercial Bank.

Atlanta

- Approved, September 13, 2007

CapGen Capital Group LLC, Washington D.C. -- to become a bank holding company 

and to acquire CapGen Capital Group LP, and thereby acquire The BANKshares, 

Inc., Melbourne, Florida; Bank Brevard, and BankFIRST, Winter Park.

Atlanta

- Approved, September 14, 2007

The Colonial BancGroup, Inc., Montgomery, Alabama -- to merge with Citrus & 

Chemical Bancorporation, Bartow, Florida, and Citrus & Chemical Bank.

Atlanta

- Approved, September 10, 2007

H.2 Actions under delegated authority September 9, 2007 to September 15,

(A/C) = Addition or Correction Delegated - 3 of 8
Bank Holding Companies

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

and to acquire Citizens Savings Bank & Trust Company.

Atlanta

- Approved, September 14, 2007

FBOP Corporation, Oak Park, Illinois -- to acquire shares of Banner Corporation, 

Walla Walla, Washington, and thereby acquire Banner Bank and Islanders Bank, 

Friday Harbor.

Chicago

- Approved, September 11, 2007

Fifth Third Bancorp, Cincinnati, Ohio -- to acquire R-G Crown Bank, FSB, 

Casselberry, Florida.

Cleveland

- Approved, September 13, 2007

First Citizens Banc Corp., Sandusky, Ohio -- waiver of application to acquire Futura 

Banc Corporation, Urbana, and its subsidiary, Champaign National Bank, in 

connection with the merger of Champaign National Bank and Citizens Banking Co., 

Sandusky.

Cleveland

- Returned, September 12, 2007

Level One Bancorp, Farmington Hills, Michigan -- to become a bank holding 

company and to acquire Level One Bank, a de novo bank.

Chicago

- Approved, September 12, 2007

H.2 Actions under delegated authority September 9, 2007 to September 15,

(A/C) = Addition or Correction Delegated - 4 of 8
Bank Holding Companies

Metropolitan Bank Group, Inc., Chicago, Illinois, and Plaza Bancorp, Inc. -- to 

acquire Poplar Creek Community Bank, Rolling Meadows, a de novo bank.

Chicago

- Approved, September 12, 2007

Peoples Bancshares, Inc., Colorado Springs, Colorado -- to become a bank holding 

company and to acquire Peoples National Bank Colorado, Colorado Springs; Peoples 

National Bank Monument, Monument; and Peoples National Bank Interim, 

Leadville; and for Winter Trust of 12/3/74, Ottawa, Kansas, and Peoples Inc., 

Colorado Springs, Colorado, to acquire Peoples Bancshares, Inc. 

Kansas City

- Approved, September 13, 2007

Southern Michigan Bancorp, Inc., Coldwater, Michigan -- to merge with FNB 

Financial Corporation, Three Rivers, and thereby acquire First National Bank of 

Three Rivers.

Chicago

- Approved, September 13, 2007

Bank Mergers

Arvest Bank, Fayetteville, Arkansas -- to purchase the assets and assume the 

liabilities of the Tulsa, Oklahoma branches of M&I Marshall & Ilsley Bank, 

Milwaukee, Wisconsin, and thereby establish branches.

St. Louis

- Approved, September 12, 2007

H.2 Actions under delegated authority September 9, 2007 to September 15,

(A/C) = Addition or Correction Delegated - 5 of 8
Bank Mergers

Cornerstone Bank, York, Nebraska -- to merge with Bank of St. Edward, St. Edward, 

and thereby establish a branch.

Kansas City

- Withdrawn, September 11, 2007

Banks, Foreign

Deutsche Bank AG, Frankfurt, Germany -- request for a temporary exemption from 

section 23A of the Federal Reserve Act.

Director, BS&R

- Granted, September 12, 2007

Change In Bank Control

First Security, Inc., Owensboro, Kentucky -- change in bank control.

St. Louis

- Permitted, September 13, 2007

Marco Community Bancorp, Inc., Marco Island, Florida -- change in bank control 

notices.

Atlanta

- Withdrawn, September 12, 2007

Extensions Of Time

Amboy Bancorporation Employee Stock Ownership Plan, Old Bridge, New Jersey -- 

extension to December 28, 2007, to become a bank holding company and to acquire 

shares of Amboy Bancorporation.

New York

- Granted, September 11, 2007

H.2 Actions under delegated authority September 9, 2007 to September 15,

(A/C) = Addition or Correction Delegated - 6 of 8
Extensions Of Time

BNC Financial Group, Inc., New Canaan, Connecticut -- extension to November 16, 

2007, to become a bank holding company with respect to the Bank of New Canaan.

New York

- Granted, September 13, 2007

First Boaz Bancorporation, Boaz, Alabama -- extension to December 19, 2007, to 

acquire First Bank Mortgage Services, Inc., and thereby engage de novo in making, 

acquiring, brokering, or servicing loans or extensions of credit.

Atlanta

- Granted, September 14, 2007

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to January 12, 

2008, to establish a branch at 9600 Colorado Lane North, Brooklyn Park, Minnesota.

Chicago

- Granted, September 12, 2007

NOVA European Holdings Company, Minneapolis, Minnesota -- extension to 

September 29, 2008, to invest in Elavon Financial Services Limited, Dublin, Ireland.

Minneapolis

- Granted, September 11, 2007

Financial Holding Companies 

North State Bancorp, Raleigh, North Carolina -- election to become a financial 

holding company.

Richmond

- Effective, September 14, 2007

H.2 Actions under delegated authority September 9, 2007 to September 15,

(A/C) = Addition or Correction Delegated - 7 of 8
Financial Holding Companies 

Winter Trust of 12/3/74, Ottawa, Kansas, and Peoples, Inc., Colorado Springs, 

Colorado -- elections to become financial holding companies.

Kansas City

- Effective, September 13, 2007

H.2 Actions under delegated authority September 9, 2007 to September 15,

(A/C) = Addition or Correction Delegated - 8 of 8
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending September 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Boston Private Financial Holdings, Inc., Boston, 

Massachusetts to acquire an additional 19.5% 

interest in Coldstream Holdings, Inc., Bellevue, 

Washington pursuant to section 4(c)(8) of the 

BHC Act and section 225.23 of Regulation Y.

BOSTON PRIVATE FINANCIAL 

HOLDINGS, INC.

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending September 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Andhra Bank, Hyderabad, India, to establish a 

representative office in Jersey City, New Jersey.

ANDHRA BANK

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Banco Popular de Puerto Rico, San Juan, Puerto 

Rico in connection with the request for prior 

approval of the Board of Governors of the 

Federal Reserve System to acquire certain 

assets and assume certain liabilities of the 17 

Puerto Rico branches of Citibank, NA, Las 

Vegas, Nevada, pursuant to Section 18(c) of the 

Federal Deposit Insurance Act.

BANCO POPULAR DE PUERTO 

RICO

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

International Bank of Azerbaijan, Baku, 

Azerbaijan, to establish a representative office 

in New York, New York, pursuant to Section 

10(a) of the International Banking Act, as 

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

K.

INTERNATIONAL BANK OF 

AZERBAIJAN

Newspaper:

Federal Register:

* 3A3 Not available

4c8

* 18C

* Branch

10/01/2007

M&T Bank Corporation, Buffalo, New York 

("M&T"), to (i) acquire Partners Trust Financial 

Group, Utica, New York ("Partners Trust") and 

merge Partners Trust with and into M&T, and 

thereby to acquire Partners Trust's 

wholly-owned bank subsidiary, Partners Trust 

Municipal Bank, Utica, New York, and also 

thereby to acquire Partners Trust Bank, Utica, 

New York, and thereby operate a federal 

savings bank, and (ii) to acquire Partners Trust's 

wholly-owned direct and indirect non-banking 

subsidiaries, pursuant to Sections 3(a)(3), 4(c)

(8) and 4(j) of the Bank Holding Company Act 

of 1956, as amended, and Sections 225.15 and 

225.24 of Regulation Y. 

In addition, Manufacturers and Traders Trust 

Company, Buffalo, New York, ("M&T Bank") to 

merge with Partners Trust Bank and Partners 

Trust Municipal Bank, with M&T Bank as the 

surviving entity, pursuant to Section 18(c) of 

the Federal Deposit Insurance Act, and in 

connection therewith, to retain the branches at 

the current branch locations of Partners Trust 

Bank, pursuant to Section 9 of the Federal 

Reserve Act.

M&T BANK CORPORATION

* 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 September 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 10/01/2007

10/12/2007

National Penn Bancshares, Inc., Boyertown, PA, 

to acquire Christiana Bank & Trust Company, 

Greenville, through a merger with NBP Interim 

Bank, Greenville, DE.

NATIONAL PENN 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C

Not applicable

Susquehanna Bank PA, Lititz, PA, to purchase 10/13/2007

the assets and assume the liabilities of four 

branch offices of Susquehanna Bank, DV, Bryn 

Mawr, PA, located at 2228 State Hill Road, 

Wyomissing, Berks County, PA, 4930 5th Street 

Highway, Temple, Berks County, PA, 4915 

Perkiomen Ave., Reading, Berks County, PA, 

and 46 West Main Street, Fleetwood, Berks 

County, PA.

SUSQUEHANNA BANK PA

* 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

 151818 COMMUNITY B&TC, CLARKS SUMMIT, PENNSYLVANIA 04/09/2007 08/30/2007 O Large 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 September 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

10/11/2007

First Corbin Bancorp, Inc. proposed acquistion 

of Eagle Fidelity, Inc. and it's subsidiary bank 

Eagle Bank, Inc pursuant to section 3(a)(5) of 

the BHCA.

FIRST CORBIN BANCORP, INC.

Newspaper:

Federal Register:

* 3A5

* 3A1

10/05/2007

10/09/2007

KeyCorp, Cleveland, Ohio, through use of 

newly created merger subsidiary, KYCA 

Corporation, to acquire U.S.B. Holding Co. Inc., 

Orangeburg, New York and its subsidiary bank 

Union State Bank, Orangeburg, New York. After 

consummation, KeyCorp intends to merge 

Union State Bank with and into KeyBank N.A.

KEYCORP

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Application by Louisa Community Bank, 

Louisa, KY for membership in the Federal 

Reserve System.

LOUISA COMMUNITY BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Application by PNC Bank, Delaware, 

Wilmington, Delaware, to acquire by merger 

Delaware Sterling Bank & Trust Company, 

Christiana, Delaware

PNC BANK, DELAWARE

Newspaper:

Federal Register:

* 3A3

Not available

Application by S&T Bancorp, Inc., Indiana, PA 09/20/2007

to acquire up to 24.99% of the outstanding 

voting shares of Allegheny Valley Bancorp, 

Inc., Pittsburgh, PA filed pursuant to Section 

3(a)(3) of the Bank Holding Company Act.

S & T BANCORP, INC.

Newspaper:

Federal Register:

* 3A5 Not available

4c8 Not available

Wesbanco, Inc., Wheeling, West Virginia, 

proposes to acquire Oak Hill Financial, Inc., 

Jackson, Ohio

WESBANCO, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 4

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 189129 COMMERCIAL & SVG BK, MILLERSBURG, OHIO 06/25/2007 09/02/2007 S Int Sm Bank

 1445943 WHITAKER BK, LEXINGTON, KENTUCKY 05/29/2007 09/04/2007 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending September 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 09/29/2007

10/09/2007

First Bancorp, Troy, North Carolina, to acquire 

100% of the voting securities of Great Pee Dee 

Bancorp, Inc., Cheraw, South Carolina, and 

thereby indirectly acquire Sentry Bank & Trust, 

Cheraw, South Carolina.

FIRST BANCORP

Newspaper:

Federal Register:

* Branch

Not applicable

First Virginia Community Bank, Fairfax, Virginia, 09/26/2007

to operate a courier service within the Virginia 

cities of Alexandria, Fairfax, Manassas, and in 

the counties of Fairfax, Arlington, Loudoun, and 

Prince William, Virginia, as well as the Maryland 

counties of Montgomery and Prince Georges.

FIRST VIRGINIA COMMUNITY 

BANK

Newspaper:

Federal Register:

* 3A1 Not available

10/12/2007

Founders Corporation of Loudoun, Inc., 

Leesburg, Virginia, to become a bank holding 

company by acquiring 100% of the voting 

shares of Founders Bank & Trust, N.A., 

Leesburg, Virginia (in organization).

Founders Corporation of 

Loudoun, Inc.

Newspaper:

Federal Register:

* Branch

Not applicable

New Peoples Bank, Honaker, Virginia, to 09/28/2007

establish a branch at 427 Main street, Bland, 

Virginia.

NEW PEOPLES BANK, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Union Bank & Trust Company, Bowling Green, 09/30/2007

Virginia, to establish a branch at 5831 Plank 

Road, Fredericksburg, Virginia.

UNION BANK AND TRUST 

COMPANY

Newspaper:

Federal Register:

* 3A5 10/06/2007

10/09/2007

Virginia Financial Group, Inc., Culpeper, 

Virginia, to acquire 100% of the voting 

securities of FNB Corporation, Christiansburg, 

Virgina, and thereby indirectly acquire First 

National Bank, Christiansburg, Virginia.

VIRGINIA FINANCIAL GROUP, 

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

 2471239 AMERICASBANK, TOWSON, MARYLAND 04/09/2007 07/02/2007 S Small Bank

 722432 BANK OF ROMNEY, ROMNEY, WEST VIRGINIA 05/07/2007 08/07/2007 O Small Bank

 658924 FARMERS & MINERS BK, PENNINGTON GAP, VIRGINIA 05/14/2007 08/16/2007 O Small Bank

 619327 FARMERS BK WINDSOR VA, WINDSOR, VIRGINIA 02/26/2007 08/02/2007 S Small Bank

 292524 FOUR OAKS B&TC, FOUR OAKS, NORTH CAROLINA 04/02/2007 08/02/2007 O Large Bank

 1229228 MARATHON BK, WINCHESTER, VIRGINIA 05/21/2007 09/11/2007 S Int Sm Bank

 550327 NORTHERN NECK ST BK, WARSAW, VIRGINIA 05/14/2007 08/08/2007 S Large Bank

 3101775 PEOPLES BK OF VA, RICHMOND, VIRGINIA 06/04/2007 09/06/2007 S Small Bank

 2303086 VALLEY BK, ROANOKE, VIRGINIA 04/30/2007 08/01/2007 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending September 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Not available

Atlantic Southern Financial Group, Inc., Macon, 10/10/2007

Georgia, to acquire 100 percent of the 

outstanding shares of CenterState Bank Mid 

Florida, Leesburg, Florida.

ATLANTIC SOUTHERN 

FINANCIAL GROUP, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

NorthWest Bancshares, Inc., notice to become a 

bank holding company by acquiring Northwest 

Bank & Trust, both of Acworth, Georgia.

NORTH WEST BANCSHARES, 

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 09/25/2007

establish a branch located at 55 N Section 

Street, Fairhope, Alabama, to be known as the 

Section Street Branch.

REGIONS BANK

Newspaper:

Federal Register:

* 3A3 Not available

10/04/2007

Security Bank Corporation, Macon, Georgia, 

advance federal register for the proposal to 

acquire 100 percent of the outstanding shares of 

Security Bank of the Coast, Brunswick, Georgia 

(in organization).

SECURITY BANK 

CORPORATION

* 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 September 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/28/2007

Bank of Montreal, Montreal, Canada, Harris 

Financial Corp., Chicago, Illinois, and Harris 

Bankcorp, Inc., Chicago, Illinois, to acquire 100 

percent of the voting shares of Merchants and 

Manufacturers Bancorporation, Inc., New 

Berlin, Wisconsin, Merchants Merger Corp., 

Brookfield, Wisconsin, and Merchants New 

Merger Corp., Brookfield, Wisconsin, and 

thereby indirectly acquire Lincoln State Bank, 

Milwaukee, Wisconsin, Grafton State Bank, 

Grafton, Wisconsin, Community Bank Financial, 

Oconto Falls, Wisconsin, The Reedsburg Bank, 

Reedsburg, Wisconsin, Fortress Bank, Westby, 

Wisconsin, Fortress Bank of Cresco, Cresco, 

Iowa, Wisconsin State Bank, Random Lake, 

Wisconsin, and 5.89 percent of the voting 

shares of Central Wisconsin Financial Services, 

Inc., Wausau, Wisconsin, and thereby 

indirectly acquire Bank of Wausau, Wausau, 

Wisconsin.

BANK OF MONTREAL

Newspaper:

Federal Register:

* 3A3 Not available

09/28/2007

Bank of Montreal, Montreal, Canada, Harris 

Financial Corp., Chicago, Illinois, and Harris 

Bankcorp, Inc., Chicago, Illinois, to acquire 100 

percent of the voting shares of Ozaukee Bank, 

Cedarburg, Wisconsin.

BANK OF MONTREAL

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish 

two branches to be located at 260 W. Grand 

Avenue, Escondido, California, and 412 

Washington Street, San Diego, California.

COMERICA BANK

Newspaper:

Federal Register:

* 3A5 Not available

10/11/2007

Community Bancorp, Inc., Saint Charles, 

Michigan, to acquire 100 percent of the voting 

shares of MSB Holding, Inc., Montrose, 

Michigan, and thereby indirectly acquire 

Montrose State Bank, Montrose, Michigan.

COMMUNITY BANCORP, INC.

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of 

BankFinancial Corporation, Burr Ridge, Illinois, 

and thereby indirectly acquire BankFinancial 

F.S.B., Olympia Fields, Illinois, and thereby 

operate a savings association.

FBOP CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of CFS 

Bancorp, Inc., Munster, Indiana, and thereby 

indirectly acquire Citizens Financial Bank, 

Munster, Indiana, and thereby operate a 

savings association.

FBOP CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of PFF 

Bancorp, Inc., Rancho Cucamonga, California, 

and thereby indirectly acquire PFF Bank and 

Trust, Pomona, California, and thereby operate a 

savings association.

FBOP CORPORATION

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of 

Provident Financial Holdings, Inc., Riverside, 

California, and thereby indirectly acquire 

Provident Savings Bank, F.S.B., Riverside, 

California, and thereby operate a savings 

association.

FBOP CORPORATION

Newspaper:

Federal Register:

CIC 09/26/2007

09/25/2007

Notice by the Dummermuth Family (Kim K. 

Dummermuth, Elgin, Iowa; Chris C. 

Dummermuth, Quincy, Illinois; David D. 

Dummermuth, Crawford, Colorado; and Connie 

C. Dummermuth Steere, Kingsport, Tennessee) 

to retain control of 20.39 percent of FNB 

BanShares, Inc., West Union, Iowa and thereby 

indirectly First National Bank, West Union, 

Iowa.

FNB BANSHARES, INC.

Newspaper:

Federal Register:

* 3A1 09/17/2007

09/17/2007

Fox River Financial Corporation, Burlington, 

Wisconsin, to become a bank holding company 

by acquiring 100 percent of the voting shares of 

Fox River State Bank, Burlington, Wisconsin.

FOX RIVER FINANCIAL 

CORPORATION

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/22/2007

10/02/2007

Notice by Drake Family -Stuart B. Drake, Farmer 

City, Illinois; Diana L. Drake, Farmer City, 

Illinois; Martin B. Drake II, Farmer City, Illinois; 

Clayton J. Drake, Farmer City, Illinois; Stephanie 

S. Drake, Champaign, Illinois; Stanley L. Drake, 

Sunrise Beach, Missouri; Stephen P. Drake, 

Champaign, Illinois, individually and as 

custodian under the Illinois Uniform Transfers 

to Minors Act for each of Clayton J. Drake, 

Farmer City, Illinois, Nicole L. Drake, Farmer 

City, Illinois and Noah S. Drake, Farmer City, 

Illinois, and as trustee of the Martin Bogarte 

Drake II Irrevocable Trust, the Clayton James 

Drake Irrevocable Trust, the Nicole Lynn Drake 

Irrevocable Trust, the Noah Stuart Drake 

Irrevocable Trust and the Richard K. Drake 

Irrevocable GST Trust; Patricia R. Drake, 

Champaign, Illinois; George E. Drake, El Paso, 

Illinois; Elinor J. Drake, El Paso, Illinois; Allen C. 

Drake, El Paso, Illinois, individually and as 

trustee of the George Drake Family Trust; Fred 

L. Drake, Bloomington, Illinois; Arthur M. 

Drake, Bloomington, Illinois; Marcia J. Dudley, 

El Paso, Illinois; the Richard K. Drake 

Irrevocable GST Trust, Farmer City, Illinois; the 

Martin Bogarte Drake II Irrevocable Trust, 

Farmer City, Illinois; the Clayton James Drake 

Irrevocable Trust, Farmer City, Illinois; the 

Nicole Lynn Drake Irrevocable Trust, Farmer 

City, Illinois; the Noah Stuart Drake Irrevocable 

Trust, Farmer City, Illinois; the George Drake 

Family Trust, El Paso, Illinois; the Marylou 

Drake Inter-Vivos Revocable Trust, Farmer City, 

Illinois; and Farmer City State Bank, Farmer City, 

Illinois, as trustee of the Marylou Drake 

Inter-Vivos Revocable Trust; to retain control 

of more than 50 percent Lincoln S.B. Corp., 

Lincoln, Illinois, and thereby indirectly State 

Bank of Lincoln, Lincoln, Illinois.

LINCOLN S.B. CORP.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

12-day Post Notice - Oostburg Bancorp, Inc., 

Oostburg, Wisconsin, proposes to engage de 

novo in insurance agency activity.

OOSTBURG BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

08/20/2007

Pan American Acquisition, Inc., Oak Brook, 

Illinois, to become a bank holding company by 

acquiring 100 percent of the voting shares of JD 

Financial Group, Inc., Chicago, Illinois, and 

thereby indirectly acquire Pan American Bank, 

Chicago, Illinois.

PAN AMERICAN ACQUISITION, 

INC

* 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

 937843 BLISSFIELD ST BK, BLISSFIELD, MICHIGAN 05/07/2007 08/17/2007 S Small Bank

 749840 FARMERS ST BK, LAKE VIEW, IOWA 05/14/2007 08/18/2007 S Small Bank

 364337 LOGAN CTY BK, LINCOLN, ILLINOIS 03/12/2007 08/13/2007 S Small Bank

 306739 STATE BK OF BLUE MOUND, BLUE MOUND, ILLINOIS 04/30/2007 08/13/2007 S Small Bank

 464536 TOWN & CNTRY BK, BUFFALO, ILLINOIS 03/12/2007 08/13/2007 S Small Bank

 590248 TOWN & CNTRY BK SPRINGFIELD, SPRINGFIELD, ILLINOIS 03/12/2007 08/13/2007 S Small 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 September 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, St. Louis, Missouri, to establish a 09/29/2007

branch facility to be located at 27067 McBean 

Parkway, Valencia, California.

FIRST BANK

Newspaper:

Federal Register:

* 3A3 10/14/2007

10/15/2007

Magnolia Banking Corporation, Magnolia, 

Arkansas, to acquire 100 percent of Southern 

State Bancshares, Inc., Malvern, Arkansas, and 

thereby indirectly acquire Southern State Bank, 

Malvern, Arkansas.

MAGNOLIA BANKING 

CORPORATION

* 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

 772745 FIRST ILLINOIS BK, EAST SAINT LOUIS, ILLINOIS 05/14/2007 08/17/2007 S 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 September 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/31/2007

Notice by First Trust Company of Onaga, N.A. 

FBO LeRoy Albjerg, IRA, Arden Hills, 

Minnesota; US Bancorp Piper Jaffray custodian 

FBO Harold Broman, Jr., North St. Paul, 

Minnesota; Larry Dunn, Stacy, Minnesota; and 

Diana Makens, Las Vegas, Nevada, to join an 

existing group acting in concert: Walter G. Fries, 

Wabasha, Minnesota; Raymond B. Pinson, Del 

Ray Beach, Florida; Kenneth D. Myers, Apple 

Valley, Minnesota; GLA Investments, L.L.C., 

Lakeville, Minnesota, Gary Anderson as general 

partner; AMSIE Enterprises, LLC, Minnetonka, 

Minnesota, Donald Eisma as general partner; 

Nancy Ludwig and Francis N. Ludwig, Apple 

Valley, Minnesota; Richard B. Lambert, Jr., 

Apple Valley, Minnesota; Russell S. Sampson, 

Prior Lake, Minnesota; Curtis A. Sampson, 

Hector, Minnesota; Brett D. Reese, Northfield, 

Minnesota; S & L Investments, LLP, 

Bloomington, Minnesota, David Stueve as 

general partner; Savage Capitalists, LLP, 

Bloomington, Minnesota, David Stueve as 

general partner; Pershing LLC FBO Richard D. 

Estenson IRA, Northfield, Minnesota; Charles 

and Cindy Beske, Lakeville, Minnesota; and 

Brian Bauer, Garvin, Minnesota, to gain control 

of 25 percent or more of the shares of Access 

Bancshares, Inc., Champlin, Minnesota, and 

thereby indirectly gain control of Access Bank, 

Champlin, Minnesota.

ACCESS BANCSHARES, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Bank of Glen Ullin, Glen Ullin, North Dakota, 

proposes to become a member of the Federal 

Reserve System.

BANK OF GLEN ULLIN

Newspaper:

Federal Register:

* Branch Not available

Not applicable

First PREMIER Bank, Sioux Falls, South Dakota, 

to establish a branch facility to be located at 

4001 West Benson Road, Sioux Falls, South 

Dakota.

FIRST PREMIER BANK

Newspaper:

Federal Register:

* 3A1

4c8

10/14/2007

10/15/2007

Montana Business Capital Corporation (to be 

known as Bancorp of Montana Holding 

Company), Missoula, Montana, to become a 

bank holding company by acquiring 100 percent 

of Bank of Montana, Missoula, Montana, a de 

novo bank. Applicant also requests permission 

to engage in commercial and residential loan 

origination activities pursuant to section 

225.28(b)(1) of Regulation Y.

MONTANA BUSINESS CAPITAL 

CORPORATION

* 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

 813853 COMMUNITY RESOURCE BK, NORTHFIELD, MINNESOTA 05/07/2007 09/10/2007 S Small Bank

 259956 STATE SVG BK OF MANISTIQUE, MANISTIQUE, MICHIGAN 05/15/2007 08/29/2007 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending September 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 10/07/2007

10/09/2007

Century Financial Services Corporation, Santa 

Fe, New Mexico, to become a bank holding 

company through the acquisition of 100 percent 

of the voting shares of Century Bank, Santa Fe, 

New Mexico, upon its conversion from a federal 

savings bank, Century Bank, FSB, Santa Fe, 

New Mexico, to a commercial bank.

CENTURY FINANCIAL 

SERVICES CORPORATION

Newspaper:

Federal Register:

CIC 09/26/2007

10/26/2007

Notice by John D. Gross, Pine Bluffs, Wyoming 

and Andrea G. Lamons, Fort Collins, Colorado, 

as co-trustees of the Loraine C. Gross 

Revocable Trust and the Charles C. Gross, Jr. 

Revocable Trust, to acquire control of 

Commercial Bancorp, parent of Farmers State 

Bank, both in Pine Bluffs, Wyoming, through 

the acquisition of voting shares.

COMMERCIAL BANCORP

Newspaper:

Federal Register:

* 3A3

4c8

10/06/2007

10/09/2007

Equity Bancshares, Inc., Andover, Kansas, to 

acquire up to 100 percent of the voting shares 

of Signature Bancshares, Inc., Spring Hill, 

Kansas, parent of Signature Bank KC, Haddam, 

Kansas. Equity Bancshares, Inc., Andover, 

Kansas, to engage in general insurance 

activities through the acquisition of Citizens 

Agency, Inc., Haddam, Kansas.

EQUITY BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 10/12/2007

10/09/2007

Regent Capital Corporation, to become a bank 

holding company through the acquisition of 100 

percent of the voting shares of Regent 

Bancshares, Inc., parent of Regent Bank and 

Trust Company, N.A., all of Nowata, Oklahoma.

REGENT CAPITAL 

CORPORATION

Newspaper:

Federal Register:

CIC 09/18/2007

10/03/2007

Notice by Michael D. Quagliano, Edwards, 

Colorado, to acquire control of Solera National 

Bancorp, Inc., parent of Solera National Bank, 

both in Lakewood, Colorado, through the 

acquisition of voting shares.

SOLERA NATIONAL BANCORP, 

INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

Filings received during the week ending September 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

10/09/2007

JLL Associates G. P. FCH, L.L.C.; JLL 

Associates FCH, L.P.; JLL Partners Fund FCH, 

L.P.; and JLL/FCH Holdings I, LLC, all of New 

York, New York, to become bank holding 

companies by acquiring 54.7 percent of FC 

Holdings, Inc., Houston, Texas, and indirectly 

acquire FC Holdings of Delaware, Inc., 

Wilmington, Delaware; First Community 

Bank-The Woodlands, National Association, 

Tomball, Texas; First Community Bank Central 

Texas, N.A., Meridian, Texas; First Community 

Fort Bend, N.A., Sugar Land, Texas; and First 

Community Bank San Antonio, N.A., San 

Antonio, Texas.

JLL ASSOCIATES G. P. FCH, 

L.L.C.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

PB Financial Corporation, Colleyville, Texas, to 

become a bank holding company by acquiring 

100 percent of Peoples Bank, Colleyville, Texas.

PB FINANCIAL CORPORATION

* 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

 268257 COMMUNITY BK, GRANBURY, TEXAS 05/14/2007 08/24/2007 O Int Sm Bank

 403058 FIRST ST BK, GRANGER, TEXAS 05/21/2007 08/23/2007 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 September 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

San Joaquin Bank, Bakersfield, California, to 

establish a branch facility at the northeast 

corner of Panama Lane and Stine Road, 

Bakersfield, California.

SAN JOAQUIN BANK

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

W.T.B. Financial Corporation, Spokane, 

Washington, to retroactively acquire shares of 

Lewis Investors, LLC, and indirectly First 

Washington Corporation, both of Seattle, 

Washington, pursuant to section 225.28(b)(7)(i) 

of Regulation Y.

W.T.B. FINANCIAL 

CORPORATION

* 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

 1471577 AMERICAN SCTY BK, SANTA ANA, CALIFORNIA 04/09/2007 09/04/2007 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act