Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 5 

Week Ending February 2, 2008

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

First National Bank Group, Inc., Edinburg, Texas -- to acquire shares of Southside 

Bancshares, Incorporated, Tyler, and thereby acquire its subsidiaries, Southside Bank 

and Fort Worth National Bank, Fort Worth.

- Approved, February 1, 2008

Discount Rates

Discount and Advance Rates -- decrease in the primary credit rate from 4 percent to 

3-1/2 percent by the Federal Reserve Banks of Boston, New York, Philadelphia, 

Cleveland, Atlanta, Chicago, St. Louis, Kansas City, and San Francisco.

- Approved, January 30, 2008

Discount and Advance Rates -- decrease in the primary credit rate from 4 percent to 

3-1/2 percent by the Federal Reserve Banks of Richmond, Minneapolis, and Dallas.

- Approved, January 31, 2008

Personnel

Division of Banking Supervision and Regulation -- appointment of Norah Barger as 

Deputy Director; Adrienne Haden as Assistant Director; and Tim Clark and Nida 

Davis as Senior Advisors.

- Approved, January 31, 2008

Division of Reserve Bank Operations and Payment Systems -- appointment of Jeff 

Stehm as Associate Director; Lisa Hoskins and Gregory Evans as Deputy Associate 

Directors; Susan Foley and Leonard Tanis as Assistant Directors; and Jack Walton, II 

as Senior Advisor, effective March 2, 2008.

- Approved, February 1, 2008

H.2 Board Actions January 27, 2008 to February 2, 2008

(A/C) = Addition or Correction Board - Page 1 of 2
Enforcement

United Bancshares, Inc., Philadelphia, Pennsylvania -- written agreement dated 

February 23, 2000, terminated January 22, 2008.

- Announced, January 28, 2008

H.2 Board Actions January 27, 2008 to February 2, 2008

(A/C) = Addition or Correction Board - Page 2 of 2
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

January 27, 2008 to February 2, 2008

Bank Branches, Domestic

1st Pacific Bank of California, San Diego, California -- to establish a branch at 525 B 

Street.

San Francisco

- Approved, January 29, 2008

CoBiz Bank, Denver, Colorado -- to establish a branch at 301 University Boulevard.

Kansas City

- Approved, January 30, 2008

Community Bank of Nevada, Las Vegas, Nevada -- to establish branches at 

2510-2530 St. Rose Parkway, Henderson, and at the intersection of Craig and Losee 

Roads, North Las Vegas.

San Francisco

- Approved, January 31, 2008

First American Bank, Birmingham, Alabama -- to retain a branch at 3501 Roosevelt 

Boulevard.

Secretary

- Approved, January 28, 2008

First Charter Bank, Charlotte, North Carolina -- to establish a branch at 606 South 

Main Street, Kannapolis.

Richmond

- Approved, January 30, 2008

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Branches, Domestic

First Virginia Community Bank, Fairfax, Virginia -- to establish a branch at 7900 

Sudley Road, Manassas.

Richmond

- Approved, February 1, 2008

SunTrust Bank, Atlanta, Georgia -- to establish branches at 7275 Southwest 90th 

Street, Miami, Florida; 15701 Southwest 152nd Street, and 4021 Lagniappe Way, 

Tallahassee.

Secretary

- Approved, January 30, 2008

Bank Holding Companies

Ambage, Inc., Las Vegas, Nevada -- to become a bank holding company and to 

acquire First Financial Services, Inc., Falls City, Nebraska, and First National Bank 

and Trust Company.

Kansas City

- Approved, January 28, 2008

CCFNB Bancorp, Inc., Bloomsburg, Pennsylvania -- waiver of application to merge 

with Columbia Financial Corporation, in connection with the merger of their 

subsidiaries, Columbia County Farmers National Bank and First Columbia Bank & 

Trust Co.

Philadelphia

- Granted, February 1, 2008

Chandler BancShares, Inc., Chandler, Minnesota -- relief from a commitment.

Minneapolis

- Granted, January 31, 2008

H.2 Actions under delegated authority January 27, 2008 to February 2, 2008

(A/C) = Addition or Correction Delegated - 2 of 5
Bank Holding Companies

FBOP Corporation, Oak Park, Illinois -- to acquire shares of PFF Bancorp, Inc., 

Rancho Cucamonga, California, and thereby acquire PFF Bank and Trust, Pomona.

Chicago

- Withdrawn, January 31, 2008

FCB Acquisition Corp., Overland Park, Kansas -- to become a bank holding 

company and to acquire NKC Bancshares, Inc., North Kansas City, Missouri, and 

Norbank; and for Young Partners, L.P., Chillicothe, Missouri, Young Corporation, 

Citizens Bancshares Company, and First Community Bancshares, Inc., Overland 

Park, Kansas, to indirectly acquire NKC Bancshares, Inc. through FCB Acquisition 

Corp.

Kansas City

- Withdrawn, January 28, 2008

First Central Nebraska Company, Broken Bow, Nebraska -- waiver of application to 

acquire WoodRiver Banco, Inc., Oconto, and its subsidiary, The Farmers Bank, in 

connection with the merger of The Farmers Bank and First Central Nebraska's 

subsidiary, Nebraska State Bank and Trust Company, Broken Bow.

Kansas City

- Granted, January 29, 2008

First Commercial Bank, Edmond, Oklahoma -- waiver of application to acquire the 

Littleton, Colorado, branch of First National Bank of Colorado, in connection with 

the merger of First National Bank of Colorado and First Commercial Bank, Edmond, 

Oklahoma.

Secretary

- Granted, January 28, 2008

H.2 Actions under delegated authority January 27, 2008 to February 2, 2008

(A/C) = Addition or Correction Delegated - 3 of 5
Bank Holding Companies

Integra Bank Corporation, Evansville, Indiana -- to merge with Peoples Community 

Bancorp, Inc., West Chester, Ohio, and thereby acquire Peoples Community Bank.

St. Louis

- Withdrawn, February 1, 2008

Bank Mergers

Union Bank and Trust Company, Bowling Green, Virginia -- to merge with 

Prosperity Bank & Trust Company, Springfield.

Richmond

- Approved, January 30, 2008

Change In Bank Control

Alamerica BancCorp, Inc., Birmingham, Alabama -- change in bank control of 

BancCorp and its subsidiary bank, Alamerica Bank.

Atlanta

- Permitted, January 28, 2008

Extensions Of Time

Bank of Gassaway, Gassaway, West Virginia -- extension to August 6, 2008, to 

establish a branch at 1960 Sutton Lane, Sutton.

Richmond

- Granted, January 29, 2008

Bank of the Commonwealth, Norfolk, Virginia -- extension to September 14, 2008, 

to establish a branch at 562 Carotoke Highway, Moyock, North Carolina.

Richmond

- Granted, February 1, 2008

H.2 Actions under delegated authority January 27, 2008 to February 2, 2008

(A/C) = Addition or Correction Delegated - 4 of 5
Extensions Of Time

The Farmers State Bank of Fort Morgan, Colorado Employee Stock Ownership Plan, 

Fort Morgan, Colorado -- extension to May 13, 2008, to acquire shares of F.S.B. 

Bancorporation of Fort Morgan, Colorado, and Farmers State Bank of Fort Morgan.

Kansas City

- Granted, January 31, 2008

The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania -- extension of 

time to divest or conform certain impermissible activities and investments.

Director, BS&R

- Granted, January 31, 2008

Virginia Commerce Bank, Arlington, Virginia -- extension to August 23, 2008, to 

establish a branch at Dulles 606 Retail Center, 23510 Overland Drive, Dulles.

Richmond

- Granted, January 29, 2008

Membership

Commonwealth Business Bank, Los Angeles, California -- to become a member of 

the Federal Reserve System.

San Francisco

- Approved, January 31, 2008

Regulations And Policies

Short-term Interest Rates -- decrease in the target for the federal funds rate from 

3-1/2 percent to 3 percent.

FOMC

- Approved, January 30, 2008

H.2 Actions under delegated authority January 27, 2008 to February 2, 2008

(A/C) = Addition or Correction Delegated - 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending February 2, 2008

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

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 February 2, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Bank of New York Mellon Corporation ("BNY 

Mellon"), New York, New York, on behalf of its 

subsidiary, Mellon Overseas Investment 

Corporation ("MOIC"), Greenville, Delaware, 

pursuant to Section 211.9(f) of Regulation K, for 

an increase of MOIC's investment in Mellon 

Servicos Financieros Distribuidore de Titulos e 

Valores Mobiliarios S.A., Rio de Janiero, Brazil.

BANK OF NEW YORK MELLON 

CORPORATION, THE

Newspaper:

Federal Register:

FBSEA

Not applicable

Barclays Bank PLC, London, United Kingdom, 02/27/2008

establish a Federal agency in Los Angeles, 

California.

BARCLAYS BANK PLC

* 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 February 2, 2008

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 February 2, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Thid Bank, Grand Rapids, MI to establish a 01/27/2008

branch at 10444 Belleville Road, Van Buren 

Township, MI.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Thid Bank, Grand Rapids, MI to establish a 01/27/2008

branch at 4491 Interpark, Auburn Hills, MI.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Thid Bank, Grand Rapids, MI to establish a 01/27/2008

branch at 6265 North Tuttle Avenue, Sarasota, 

FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Thid Bank, Grand Rapids, MI to establish a 01/27/2008

branch at the southwest corner of US Highway 

301 and Chin Road, Ellenton, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Thid Bank, Grand Rapids, MI to establish a 01/27/2008

branch at the northwest corner of US Highway 

41 and Wiggins Pass, Naples, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Thid Bank, Grand Rapids, MI to establish a 01/28/2008

branch at the northwest corner of State Route 

46 and International Parkway, Sanford, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Thid Bank, Grand Rapids, MI to establish a 01/27/2008

branch at the northwest corner of Lakewood 

Ranch and State Route 70, Bradenton, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Thid Bank, Grand Rapids, MI to establish a 01/27/2008

branch at the southwest corner of US Highway 

301 and Gibsonton, Gibsonton, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Thid Bank, Grand Rapids, MI to establish a 

branch at the southeast corner of State Route 54 

and Grand Boulevard, New Port Richey, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

CIC 02/20/2008

02/21/2008

Interagency Notice of Change in Bank Control 

filed by David E. Snyder, Kittanning, PA to 

acquire up to 17.3 percent of the outstanding 

voting shares of Merchants Bancorp of 

Pennsylvania, Inc., Kittanning, PA.

MERCHANTS BANCORP OF 

PENNSYLVANIA, INC.

Newspaper:

Federal Register:

* 3A3 02/22/2008

02/22/2008

Premier Financial Bancorp, Huntington, West 

Virginia to acquire 100 percent of Citizens First 

Bank, Inc., Ravenswood, West Virginia

PREMIER FINANCIAL 

BANCORP, INC.

Newspaper:

Federal Register:

* 3A5 Not available

02/22/2008

Premier Financial Bancorp Huntington, West 

Virginia to acquire 100 percent of Traders 

Bankshares, Inc., Spencer West Virginia, and 

thereby indirectly acquire Traders Bank, 

Spencer, West Virginia

PREMIER FINANCIAL 

BANCORP, 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

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 February 2, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Bank of America, N.A., Charlotte, North 

Carolina, requests relief from the rolling 

12-month aggregate limits with respect to 

investments in Storey Asset Management 

Company, Reno, Neveda.

BANK OF AMERICA, 

NATIONAL ASSOCIATION

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Bank of America, N.A., Charlotte, North 

Carolina, requests approval to make an 

investment of $288 million through its 

agreement corporation, Banc of America FSC 

Holdings, Inc., San Francisco, California, in 

Storey Asset Management Company, Reno, 

Nevada.

BANK OF AMERICA, 

NATIONAL ASSOCIATION

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Benchmark Community Bank, Kenbridge, 

Virginia, to increase its investment in bank 

premises by $1.1 million.

BENCHMARK COMMUNITY 

BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Clear Mountain Bank, Bruceton Mills, West 02/11/2008

Virginia, proposes to establish a branch at 500 

Sunset Towne Centre, Morgantown, West 

Virginia.

CLEAR MOUNTAIN BANK

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Clear Mountain Bank, Bruceton Mills, West 

Virginia, to increase its investment in bank 

premises in the amount of $150,000.

CLEAR MOUNTAIN BANK

Newspaper:

Federal Register:

* 3A5 02/20/2008

02/25/2008

Community Bankers Acquisition Corp., Great 

Falls, Virginia (to be renamed Community 

Bankers Trust Corporation), to acquire 100% of 

the voting securities of BOE Financial Services 

of Virginia, Inc., Tappahannock, Virginia, and 

thereby indirectly acquire Bank of Essex, 

Tappahannock, Virginia.

COMMUNITY BANKERS 

ACQUISITION CORP.

Newspaper:

Federal Register:

* 18C

Not applicable

EVB, Tappahannock, Virginia, to acquire certain 02/25/2008

assets and assume certain liabilities of the 

Colonial Heights and Richmond, Virginia, 

branches of Millennium Bank, N.A., Reston, 

Virginia.

EVB

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

FIA Card Services, N.A., Wilmington, Delaware, 

requests relief from the rolling 12-month 

aggregate limits with respect to proposed 

investments in two new Regulation K 

subsidiaires.

FIA CARD SERVICES, N.A.

* 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 February 2, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Caixa de Aforros de Vigo, Ourense e 

Pontevedra, Vigo, Spain, to establish 

international bank branches in New York, New 

York, Chicago, Illinois, Los Angeles, California, 

and Houston, Texas.

CAIXA DE AFORROS DE VIGO, 

OURENSE E PONTEVEDRA

Newspaper:

Federal Register:

* Branch

Not applicable

Coconut Grove Bank, Miami, Florida, to 02/15/2008

establish a branch located at 6400 South Dixie 

Highway, South Miami, Florida.

COCONUT GROVE BANK

Newspaper:

Federal Register:

* 3A1 01/13/2008

02/19/2008

Franklin Bancshares, Inc., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of Bank of Franklin, 

both of Meadville, Mississippi.

FRANKLIN BANCSHARES, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Palm Beach Community Bank, Boynton Beach, 

Florida (in organization), to become a member of 

the Federal Reserve System.

Palm Beach Community Bank

Newspaper:

Federal Register:

CIC 02/15/2008

02/21/2008

United Americas Bankshares, Inc., Atlanta, 

Georgia, prior change in control notice filed by 

Mr. William Blanton Sr., Alpharetta, Georgia, to 

acquire an additional .04 percent of the 

outstanding shares of United Americas 

Bankshares, Inc., and its subsidiary, United 

Americas Bank, N.A., both of Atlanta, Georgia. 

Total pro forma ownership will equal 17.09 

percent.

UNITED AMERICAS 

BANKSHARES, INC.

* 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 February 2, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

CSB Bank, Capac, Michigan, to establish a 01/24/2008

branch facility to be located at South East 

corner of Van Dyke and Hough Roads, Almont, 

Michigan.

CSB BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First American Bank, Fort Dodge, Iowa, to 02/05/2008

establish a branch facility to be located at 9311 

College Parkway, Fort Myers, Florida.

FIRST AMERICAN BANK

Newspaper:

Federal Register:

* 3A3 Not available

02/11/2008

Heartland Financial USA, Inc., Dubuque, Iowa, 

to acquire at least 80 percent of Minnesota Bank 

& Trust (in organization), Edina, Minnesota.

HEARTLAND FINANCIAL USA, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

02/06/2008

Luana Bancorporation, Luana, Iowa, to acquire 

100 percent of First State Bank Iowa, New 

Hampton, Iowa.

LUANA BANCORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

02/25/2008

NRBC Holding Corporation, Chicago, Illinois, to 

become a bank holding company by acquiring 

100 percent of the voting shares of The National 

Republic Bank of Chicago, Chicago, Illinois.

NRBC HOLDING CORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Rolling Hills Bank & Trust, Atlantic, Iowa, to 

merge with Meta Bank West Central 

("MBWC"), Stuart, Iowa, and thereby to 

establish branch offices at 615 South Division 

Street, Stuart, Iowa; 501 Sherman, Menlo, Iowa, 

and 101 East Logan, Casey, Iowa.

ROLLING HILLS BANK & TRUST

Newspaper:

Federal Register:

* 3A3 Not available

Not available

West Suburban Bancorp, Lombard, Illinois, to 

acquire 100 percent of the voting shares of G.R. 

Bancorp, Ltd., Grand Ridge, Illinois, and thereby 

indirectly acquire The First National Bank of 

Grand Ridge, Grand Ridge, Illinois.

WEST SUBURBAN BANCORP, 

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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending February 2, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 02/25/2008

03/03/2008

Cabool State Bank Employee Stock Ownership 

Plan, Cabool, Missouri, to acquire an additional 

2 percent, for total ownership of 31.39 percent, 

of Cabool Bancshares, Inc., Cabool, Missouri, 

and thereby indirectly acquire Cabool State 

Bank, Cabool, Missouri.

CABOOL STATE BANK 

EMPLOYEE STOCK OWNERSHIP 

PLAN

Newspaper:

Federal Register:

4c8 Not applicable

02/21/2008

Evolve Financial Group, Inc., Cordova, 

Tennessee, to acquire 100 percent of AFS 

Investment Advisors, Inc., Austin, Texas, and 

thereby engage in investment advisory 

activities.

EVOLVE FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

* 3A3 02/21/2008

02/22/2008

First National Bancorp, Inc., Green Forest, 

Arkansas ("Bancorp"), to acquire additional 

shares of Legacy National Bank, Springdale, 

Arkansas ("Legacy"). The acquisition will 

result in Bancorp retaining ownership of up to 

9.99 percent of Legacy's voting stock.

FIRST NATIONAL BANCORP, 

INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

The Peoples Bank, Marion, Kentucky, to 

become a member of the Federal Reserve 

System.

PEOPLES BANK, THE

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending February 2, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 02/09/2008

02/11/2008

BancMidwest Corporation, Saint Paul, 

Minnesota, to acquire 100 percent of Hiawatha 

Bancshares, Inc., Hager City, Wisconsin, and 

thereby indirectly acquire Hiawatha National 

Bank, Hager City, Wisconsin.

BANCMIDWEST 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

02/13/2008

Notice by Lawrence W. Jochim Revocable 

Trust, Lawrence W. Jochim as trustee and 

individually, Bigfork, Montana; Cindy Jochim 

and Richard Jochim, both of Bigfork, Montana; 

Todd Jochim, Lakeside, Montana; Lesley 

Jungers, Seeley Lake, Montana; Karla Langlois, 

Missoula, Montana; and Marcus Jochim and 

Beverly Jochim, both of Inverness, Montana, 

acting as a group in concert, to gain control of 

Flathead Holding Company of Bigfork, 

Montana, and thereby indirectly gain control of 

Flathead Bank of Bigfork, Bigfork, Montana. In 

addition, notice by Gib S. Nichols Living Trust 

and Sarah E. Nichols Living Trust, Gib Nichols 

and Sarah Nichols as trustees of each trust and 

individually, Vancouver, Washington; James 

Brendan Nichols, West Linn, Oregon; Shaun 

Nichols, Tuscon, Arizona; Norris D. Nichols, 

Helena, Montana, Karyl Arndt, Aurora, 

Colorado; and Roseanne Heser, Mahtomedi, 

Minnesota, acting as a group in concert, to gain 

control of Flathead Holding Company of 

Bigfork, Bigfork, Montana, and thereby 

indirectly gain control of Flathead Bank of 

Bigfork, Bigfork, Montana.

FLATHEAD HOLDING 

COMPANY OF BIGFORK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Mills Financial Services, Inc., Brainerd, 

Minnesota, to become a bank holding company 

by acquiring 100 percent of First Security Bank - 

Sanborn, Sanborn, Minnesota.

MILLS FINANCIAL SERVICES 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

02/01/2008

United Citizens 401(K) Savings Plan, Osseo, 

Wisconsin, to become a bank holding company 

by acquiring up to 56 percent of the Class A 

common stock of United Bancorporation, 

Osseo, Wisconsin, and thereby indirectly 

acquire United Bank, Osseo, Wisconsin; 

Cambridge State Bank, Cambridge, Wisconsin; 

Lincoln Community Bank, Merrill, Wisconsin; 

Bank of Poynette, Poynette, Wisconsin; Clark 

County State Bank, Osceola, Iowa; Farmers 

State Bank, Stickney, South Dakota; and 

Farmers & Merchants State Bank, Iroquois, 

South Dakota.

UNITED CITIZENS 401(K) 

SAVINGS PLAN

* 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 February 2, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

03/03/2008

ENB Acquisition Corporation, Oklahoma City, 

Oklahoma, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of Exchange Bancshares of 

Moore, Inc., parent of Exchange National Bank 

of Moore, Moore, Oklahoma.

ENB Acquisition Corporation

Newspaper:

Federal Register:

CIC Not available

02/21/2008

Notice by Kelly J. Schoen to acquire control of 

Freedom Bancshares, Inc., parent of Freedom 

Bank, all of Overland Park, Kansas, through the 

acquisition of voting shares.

FREEDOM BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 01/09/2008

01/09/2008

Notification by Russell H. Loewenstein, 

Orleans, Nebraska, individually and as a member 

of the Loewenstein group; and Karl Randecker, 

Jr., Cozad, Nebraska, individually and as a 

member of the Randecker group; to acquire 

control of Stamford Banco, Inc., Stamford, 

Nebraska, parent of Community Bank, Alma, 

Nebraska. Notice by Stamford Banco, Inc., 

Stamford, Nebraska, to redeem 25 percent of its 

outstanding common stock.

STAMFORD BANCO, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

United Bank & Trust, Marysville, Kansas, to 

purchase certain assets and assume certain 

liabilites of the Beattie, Kansas branch of Bank 

of Prairie, Olathe, Kansas.

UNITED BANK & TRUST

* 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 February 2, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

03/03/2008

Andrews Holding Company, Andrews, Texas, 

to acquire 100 percent of Kent County State 

Bank, Jayton, Texas.

ANDREWS HOLDING 

COMPANY

Newspaper:

Federal Register:

CIC Not available

02/15/2008

Notice by Mr. William Glover Loftin, Delhi, 

Louisiana, to acquire 35,230 shares or 14.68 

percent of Capital Bancorp, Inc., Delhi, 

Louisiana, and indirectly acquire Commercial 

Capital Bank, Delhi, Louisiana.

CAPITAL BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 02/21/2008

02/22/2008

Relationship Financial Corporation, Kerrville, 

Texas, to become a bank holding company by 

acquiring 100 percent of Guadalupe National 

Bank, Kerrville, Texas (in organization).

RELATIONSHIP FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Southwest Bank, Fort Worth, Texas, to 02/11/2008

establish a branch at 1630 East Lamar 

Boulevard, Suite 140, Arlington, Texas 76011.

SOUTHWEST BANK

* 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 February 2, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

02/22/2008

UCBH Holdings, Inc., San Francisco, California, 

to acquire up to 6.52 percent of First American 

International Corporation, and thereby 

indirectly its subsidiary, First American 

International Bank, both of Brooklyn, New York.

UCBH HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A1 01/28/2008

02/01/2008

Western Capital Corporation, Boise, Idaho, to 

become a bank holding company by acquiring 

100 percent of Western Capital Bank (In 

Organization), Boise, Idaho; and GWY, LLC, 

Bellevue, Washington, to become a bank 

holding company by indirectly acquiring, at 

least 64 percent of Western Capital Bank (In 

Organization), Boise, Idaho.

WESTERN CAPITAL 

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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act