Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 46 

Week Ending November 17, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
None

H.2 Board Actions November 11, 2007 to November 17, 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

November 11, 2007 to November 17, 2007

Bank Branches, Domestic

Citizens Security Bank & Trust Company, Bixby, Oklahoma -- to establish a branch 

at 8085 South Yale Avenue, Tulsa.

Kansas City

- Approved, November 16, 2007

Foothills Bank & Trust, Maryville, Tennessee -- to establish a branch at 2430 East 

Lamar Alexander Parkway, Maryville.

Atlanta

- Approved, November 15, 2007

Isabella Bank and Trust, Mount Pleasant, Michigan -- to establish a branch at 125 N. 

Coldwater Road, Lake Isabella.

Chicago

- Approved, November 15, 2007

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish branches at 1135 

Palmbrush Trail, Bradenton, Florida; Fruitville Road and I-75, Sarasota; and Aloma 

Avenue and State Road 417, Oviedo.

Secretary

- Approved, November 15, 2007

PNC Bank, Delaware, Wilmington, Delaware -- to establish a branch at 31227 

Americana Parkway, Fenwick Island.

Cleveland

- Approved, November 16, 2007

(A/C) = Addition or Correction Delegated - 1 of 6
Bank Holding Companies

A.N.B. Holding Company, Ltd., Terrell, Texas -- to acquire DNB Bancshares, Inc., 

Dallas, and thereby indirectly acquire DNB Delaware Financial Corporation, Dover, 

Delaware, and Dallas National Bank.

Dallas

- Approved, November 16, 2007

Capitol Bancorp Ltd., Lansing, Michigan -- to acquire shares of Community Bank of 

Lincoln, a de novo savings association.

Chicago

- Approved, November 15, 2007

Capitol Bancorp Ltd., Lansing, Michigan -- to acquire shares of Brookhollow Bank, 

Irving, Texas, a de novo savings association.

Chicago

- Approved, November 15, 2007

Castle Creek Capital Partners III, L.P., Rancho Santa Fe, California -- to acquire an 

interest in Centennial Bank Holdings, Inc., Denver, Colorado, and its subsidiary, 

Guaranty Bank and Trust Company.

San Francisco

- Approved, November 16, 2007

Citigroup Inc., New York, New York -- relief from a commitment.

New York

- Withdrawn, November 14, 2007

H.2 Actions under delegated authority November 11, 2007 to November 17, 2007

(A/C) = Addition or Correction Delegated - 2 of 6
Bank Holding Companies

Community Bancshares of West Georgia, Inc., Villa Rica, Georgia -- relief from a 

commitment.

Atlanta

- Granted, November 15, 2007

First NBC Bank Holding Company, New Orleans, Louisiana -- relief from a 

commitment.

Atlanta

- Granted, November 16, 2007

Greenfield Bancorporation, Ltd., Greenfield, Iowa -- to become a bank holding 

company and to acquire Union State Bank, Greenfield.

Chicago

- Approved, November 16, 2007

IBT Bancorp, Inc., Mount Pleasant, Michigan -- to merge with Greenville 

Community Financial Corporation, Greenville, and thereby indirectly acquire 

Greenville Community Bank; and for Isabella Bank and Trust, Mt. Pleasant, to merge 

with Greenville Community Bank, Greenville, and thereby establish two branches.

Chicago

- Approved, November 16, 2007

InvestorsBancorp, Inc., Pewaukee, Wisconsin -- to engage in extending credit and 

servicing loans.

Chicago

- Approved, November 14, 2007

H.2 Actions under delegated authority November 11, 2007 to November 17, 2007

(A/C) = Addition or Correction Delegated - 3 of 6
Bank Holding Companies

The Jarrel Morris Jones Family, LLC, Tulsa, Oklahoma -- to become a bank holding 

company and to acquire shares of Triad Bancshares, Inc. 

Kansas City

- Approved, November 16, 2007

Lone Star State Bancshares, Inc., Lubbock, Texas -- to become a bank holding 

company and to acquire Lone Star State Bank of West Texas, a de novo bank.

Dallas

- Approved, November 16, 2007

Ramsey Financial Corporation and Affiliates Employee Stock Ownership Plan, 

Devils Lake, North Dakota -- to become a bank holding company and to acquire 

Ramsey National Bank and Trust Company of Devils Lake.

Minneapolis

- Approved, November 16, 2007

S & T Bancorp, Inc., Indiana, Pennsylvania -- to acquire shares of Allegheny Valley 

Bancorp, Inc., Pittsburgh.

Cleveland

- Approved, November 13, 2007

Seaway Bancshares, Inc., Chicago, Illinois -- to engage de novo in extending credit 

and servicing loans.

Chicago

- Withdrawn, November 13, 2007

H.2 Actions under delegated authority November 11, 2007 to November 17, 2007

(A/C) = Addition or Correction Delegated - 4 of 6
Change In Bank Control

Commercial Holding Company, Wagner, South Dakota -- change in bank control.

Minneapolis

- Permitted, November 16, 2007

Merchants & Planters Bancshares, Inc., Toone, Tennessee -- change in bank control.

St. Louis

- Withdrawn, November 15, 2007

Overbrook Bankshares, Inc., Overbrook, Kansas -- change in bank control.

Kansas City

- Permitted, November 14, 2007

Triad Bancshares, Inc., Tulsa, Oklahoma -- change in bank control.

Kansas City

- Permitted, November 16, 2007

Extensions Of Time

BNC Financial Group, Inc., New Canaan, Connecticut -- extension to December 14, 

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

New York

- Granted, November 13, 2007

Taunton Bancshares, Inc., Taunton, Minnesota -- extension to February 14, 2008, to 

become a bank holding company and to acquire the State Bank of Taunton.

Minneapolis

- Granted, November 14, 2007

H.2 Actions under delegated authority November 11, 2007 to November 17, 2007

(A/C) = Addition or Correction Delegated - 5 of 6
Membership

Lone Star State Bank of West Texas, Lubbock, Texas -- to become a member of the 

Federal Reserve System.

Dallas

- Approved, November 16, 2007

H.2 Actions under delegated authority November 11, 2007 to November 17, 2007

(A/C) = Addition or Correction Delegated - 6 of 6
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending November 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 1216059 COMMUNITY GUARANTY SVG BK, PLYMOUTH, NEW HAMPSHIRE 05/29/2007 08/24/2007 S Small 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 November 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco Espirito Santo de Investimento, S.A., 

Lisbon, Portugal, to establish a branch in New 

York, New York, pursuant to Section 7(d) of the 

International Banking Act.

BANCO ESPIRITO SANTO DE 

INVESTIMENTO, S.A.

Newspaper:

Federal Register:

* 3A3 Not available

12/10/2007

BNP Paribas, Paris, France, to acquire up to 9.9 

percent of the voting shares of Shinhan 

Financial Group Co., Ltd., Seoul, Korea

BNP PARIBAS

Newspaper:

Federal Register:

* 4c8 Not available

Not available

Investors Bancorp, MHC and Investors 

Bancorp, Inc., both of Short Hills, New Jersey to 

acquire Summit Federal Bankshares, MHC, and 

its wholly-owned subsidiary, Summit Federal 

Bankshares, Inc., and its indirect wholly-owned 

subsidiary, Summit Federal Savings Bank, all of 

Summit, New Jersey, pursuant to Section 4(c)(8) 

of the BHC Act and Section 225.24 of 

Regulation Y.

INVESTORS BANCORP, MHC

* 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 November 17, 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 November 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Notice by Midwest Bancshares, Inc., Wellston, 

OH of its intent to form a bank holding company 

by acquiring 100% of the voting shares of The 

First National Bank of Wellston, Wellston, OH 

pursuant to Section 3(a)(5)(C) of the Bank 

Holding Company Act.

Midwest Bancshares, Inc.

Newspaper:

Federal Register:

CIC

Not available

Notice of Change in Bank Control filed by 12/05/2007

Samad Yaltaghian, Rushden, Northants, 

England, of his intent to acquire 46.75 shares or 

44.52% of the voting shares outstanding of New 

Richmond Bancorporation, Inc., New Richmond, 

OH.

NEW RICHMOND 

BANCORPORATION

Newspaper:

Federal Register:

CIC

Not available

Notice of Change in Control filed by Jay L. 12/05/2007

Dunlap, Lincoln, NE to retain voting rights over 

58.25 shares or 55.48% of the voting shares 

outstanding of New Richmond Bancorporation, 

Inc., New Richmond, OH through August 1, 

2009, as a result of the continuation of the proxy 

granted by Mark Dunlap, Naples, FL.

NEW RICHMOND 

BANCORPORATION

* 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 November 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of the Commonwealth, Norfolk, Virginia, 11/26/2007

proposes to establish a branch at 3732 North 

Croatan Highway, Kitty Hawk, North Carolina.

BANK OF THE 

COMMONWEALTH

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

First Sentinel Bank, Richlands, Virginia, to 

increase its investment in bank premises.

FIRST SENTINEL BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Susquehanna Bank, Hagerstown, Maryland, 11/22/2007

proposes to establish a branch at 4725 Dorsey 

Hall Drive, Columbia, Maryland.

SUSQUEHANNA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Susquehanna Bank, Hagerstown, Maryland, 11/22/2007

proposes to establish a branch at the Route 43 

and Interstate 95 crossroads, White Marsh, 

Maryland.

SUSQUEHANNA 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 November 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 11/21/2007

establish branches in the following locations: 

3490 Salida Street, Aurora, Colorado, to be 

known as the Aurora-Salida Branch; 4501 Camp 

Bowie Boulevard, Fort Worth, Texas, to be 

known as the Fort Worth-Camp Bowie Branch; 

intersection of Briar Forest Drive and Eldridge 

Road, Houston, Texas, to be known as the 

Houston-Eldridge Branch; 170 University 

Boulevard, Round Rock, Texas, to be known as 

the Round Rock-University Branch; and 631 

Southwest Military Drive, San Antonio, Texas, 

to be known as the San Antonio-Military 

Branch.

COMPASS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Old Southern Bank, Orlando, Florida, to 11/28/2007

establish a branch located at 1815 West State 

Road 434, Suite 230, Longwood, Florida.

OLD SOUTHERN 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 November 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

1st Source Bank, South Bend, Indiana, to merge 

with First National Bank of Valparaiso, 

Valparaiso, Indiana, and thereby to establish 17 

branches.

1ST SOURCE BANK

Newspaper:

Federal Register:

* 4c8 Not available

11/26/2007

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited V, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Adams Dairy Bank (in 

organization), Blue Springs, Missouri, and 

thereby operate a savings association.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 11/09/2007

two branch facilities to be located at 2416 

Central Avenue, Alameda, California, and 1200 

Broadway, Oakland, California.

COMERICA BANK

Newspaper:

Federal Register:

* 3A5 12/10/2007

12/10/2007

ISB Financial Corp., Iowa City, Iowa, to merge 

with MidWestOne Financial Group, Inc., 

Oskaloosa, Iowa, and thereby indirectly acquire 

MidWestOne Bank, Oskaloosa, Iowa.

ISB FINANCIAL CORP.

* 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

 2044820 COMMUNITY BK ELMHURST, ELMHURST, ILLINOIS 05/29/2007 10/29/2007 S Small Bank

 676245 SECURITY SVG BK, EAGLE GROVE, IOWA 04/23/2007 11/05/2007 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 November 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The Bank of Fayette County, Moscow, 11/30/2007

Tennessee to establish a branch facility to be 

located at the corner of Highway 64 and 

Chickasaw Ridge Drive, Oakland, Tennessee.

BANK OF FAYETTE COUNTY 

THE

Newspaper:

Federal Register:

* 3A1 12/10/2007

12/11/2007

Russellville Bancorp, Inc., Russellville, 

Missouri, to become a bank holding company 

by acquiring 100 percent of Community Bank of 

Russellville, Russellville, Missouri.

RUSSELLVILLE 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

 35244 COMMUNITY BK, CABOT, ARKANSAS 07/16/2007 10/29/2007 S Int Sm 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 November 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Notice by Richard Tucker Plumstead Revocable 12/01/2007

Trust, Richard Tucker Plumstead as trustee and 

individually; Richard Tucker Plumstead IRA; 

Vicki L. Turnquist Revocable Trust, Vicki L. 

Turnquist as trustee and individually; Vicki L. 

Turnquist IRA; and Vicki L. Turnquist 

Simplified Employee Pension Plan; all of 

Minneapolis, Minnesota, as a group acting in 

concert, to retain 10 percent or more of the 

shares of Private Bancorporation, Inc., 

Minneapolis, Minnesota, and thereby indirectly 

retain control of Private Bank Minnesota, 

Minneapolis, Minnesota.

PRIVATE BANCORPORATION, 

INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 November 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/21/2007

Notice filed by the 2007 Voting Trust 

Agreement, and its trustees, Albert Charles 

Kelly, Jr. and Peter John Kelly, both of Bristow, 

Oklahoma; Shawn Trevor Kelly, Edmond, 

Oklahoma; Paul Harrison Cornell, Tulsa, 

Oklahoma; and Allison Asbury Kelly, Okemah, 

Oklahoma, all to acquire control of Citizens 

Bankshares, Inc., Okemah, Oklahoma, parent of 

Citizens State Bank, Okemah, Oklahoma.

CITIZENS BANKSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

4c8 12/17/2007

Harker Investments, LLLP, Denver, Colorado, to 

become a bank holding company and to engage 

in selling credit life insurance through the 

acquisition of 100 percent of the voting shares 

of The Kit Carson Insurance Agency, Inc., 

parent of Kit Carson State Bank, both in Kit 

Carson, Colorado.

HARKER INVESTMENTS, LLLP

Newspaper:

Federal Register:

* 3A1 12/15/2007

12/13/2007

TriCentury Corporation, Overland Park, Kansas, 

to become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Nine Tribes Bancshares, Inc., parent of The 

Bank of Quapaw, both in Quapaw, Oklahoma.

TRICENTURY CORPORATION

* 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

 1972298 BANK OF BELEN, BELEN, NEW MEXICO 07/30/2007 10/30/2007 S Small Bank

 152057 BANK OF COMMERCE, CHELSEA, OKLAHOMA 08/13/2007 10/30/2007 S Small Bank

 59754 BANK OF WYANDOTTE, WYANDOTTE, OKLAHOMA 07/30/2007 10/30/2007 S Small Bank

 10858 PLATTE VALLEY ST B&TC, KEARNEY, NEBRASKA 07/23/2007 10/30/2007 S 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 November 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 November 17, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 11/11/2007

11/07/2007

Notice by Juan C.G. Araneta, Fernando G. 

Araneta, Maria M.G. Araneta and Margarita A. 

Holigores, all of Makati City, Philippines, 

Santiago G. Araneta and Marilou G. Joaquin, 

both of Pasig City, Philippines, and Hugo N. 

Bonilla, Newark, California, to retain shares and 

control of MNB Holdings Corporation, and 

thereby indirectly control its subsidiary, 

Mission National Bank, both of San Francisco, 

California.

MNB HOLDINGS CORPORATION

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Nara Bank, Los Angeles, California, to purchase 

the assets and assume the liabilities of the Brick, 

New Jersey, branch of The Provident Bank, 

Jersey City, New Jersey.

NARA BANK

Newspaper:

Federal Register:

* 3A1 12/09/2007

12/17/2007

RiverBank Holding Company to become a bank 

holding company by acquiring 100 percent of 

RiverBank, both of Spokane, Washington.

RIVERBANK HOLDING 

COMPANY

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

The Shizuoka Bank, Ltd., Shizuoka, Japan, to 

establish a branch office at 600 Lexington 

Avenue, New York, New York, pursuant to 

section 7(d) of the International Banking Act.

SHIZUOKA BANK, LTD., THE

Newspaper:

Federal Register:

* 3A1 Not available

Not available

State Bancorp Northwest to become a bank 

holding company by acquiring 100 percent of 

State Bank Northwest, both of Spokane Valley, 

Washington.

State Bancorp Northwest

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Wells Fargo & Company, through a new 

subsidiary of WFC Holdings Corporation, both 

of San Francisco, California, request for 

approval to purchase and sell electricity in the 

spot market and take and make delivery of 

electricity to settle commodity derivatives.

WELLS FARGO & COMPANY

* 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