Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 6

Week Ending February 10, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions February 4, 2007 to February 10, 2007

Forms

Forms -- final Board review to extend without revision the Written Security 

Program for State Member Banks (FR 4004).

- Approved, February 7, 2007 

Regulations And Policies

Monetary Policy -- report to Congress.

- Authorized, February 7, 2007 

Reserve Bank Operations

Federal Reserve Bank of Atlanta -- appointment of Dennis P. Lockhart as President, 

effective March 1, 2007.

- Approved, February 7, 2007 

Testimony And Statements

Monetary Policy Objectives -- statement by Chairman Bernanke before the Senate 

Committee on Banking, Housing, and Urban Affairs on February 14, and before the 

House Committee on Financial Services on February 15, 2007.

- Authorized, February 8, 2007 

(AC) = Addition or Correction Board - Page 1 of 1
February 4, 2007 to February 10, 2007

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Bank of Gassaway, Gassaway, West Virginia -- to establish a branch at 1960 Sutton 

Lane, Sutton.

- Approved, February 6, 2007 

Richmond

The Bank of Star Valley, Afton, Wyoming -- to establish a branch at 102 Greys 

River Road, Alpine.

- Approved, February 9, 2007 

Kansas City

Bank of the Commonwealth, Norfolk, Virginia -- to establish a branch at 5460 

Wesleyan Drive, Virginia Beach.

- Approved, February 7, 2007 

Richmond

Business Bank of Nevada, Las Vegas, Nevada -- to establish a branch at 10801 

West Charleston Boulevard.

- Approved, February 5, 2007 

San Francisco

Comerica Bank, Detroit, Michigan -- to establish branches at 2500 East Imperial 

Highway, Brea, California; 10111 West Adams Avenue, Huntington Beach; and 

23718-B El Toro Road, Lake Forest.

- Approved, February 6, 2007 

Secretary

First Bank, St. Louis, Missouri -- to establish a branch at 23501 Cinco Ranch 

Boulevard, Suite K100, Katy, Texas.

- Approved, February 9, 2007 

St. Louis

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority February 4, 2007 to February 10, 2007

Bank Branches, Domestic

First Bank, St. Louis, Missouri -- to establish a branch at 109 Ferrari Ranch Road, 

Lincoln, California.

- Approved, February 9, 2007 

St. Louis

G.W. Jones Exchange Bank, Marcellus, Michigan -- to establish a branch at Meijer, 

800 U.S. 131, Three Rivers.

- Approved, February 7, 2007 

Chicago

New Peoples Bank, Inc., Honaker, Virginia -- to establish a branch at the corner of 

Maine and Brick Streets, Bramwell, West Virginia.

- Approved, February 9, 2007 

Richmond

Pennsylvania State Bank, Camp Hill, Pennsylvania -- to establish a branch at 114 

North Second Street, Harrisburg.

- Approved, February 6, 2007 

Philadelphia

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

54th Avenue South and 28th Street South, St. Petersburg, Florida; 2903 James L. 

Redman Parkway, Plant City; the intersection of Rock Springs and Welch Roads, 

Apopka; 902 Cypress Parkway, Kissimmee; and 6601 Clinton Highway, Knoxville, 

Tennessee.

- Approved, February 8, 2007 

Atlanta

Security Savings Bank, Gowrie, Iowa -- to establish a branch at 39 South Main 

Street, Dayton.

- Approved, February 9, 2007 

Chicago

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority February 4, 2007 to February 10, 2007

Bank Branches, Domestic

SunTrust Bank, Atlanta, Georgia -- to establish branches at 3974 Highway 17 North, 

Mt. Pleasant, South Carolina; 741 North Main Street, Summerville; 539 St. James 

Avenue, Goose Creek; 6500 Eastern Avenue, Baltimore, Maryland; and 8126 

Lakewood Main Street, Suite 201, Bradenton, Florida.

- Approved, February 7, 2007 

Secretary

Virginia Commerce Bank, Arlington, Virginia -- to establish a branch at 6335 

Multiplex Drive, Centreville.

- Approved, February 8, 2007 

Richmond

Virginia Commerce Bank, Arlington, Virginia -- to establish a branch at Lot 5A 

Parcels A and B, Section 1, Princeton Woods Shopping Center, Dumfries.

- Approved, February 8, 2007 

Richmond

Bank Holding Companies

1895 MHC, Worcester, Massachusetts, and 1895 Corp. -- to become a mutual bank 

holding company and a stock bank holding company, respectively, and to acquire 

Bay State Savings Bank.

- Approved, February 5, 2007 

Boston

Americus Financial Services, Inc., Birmingham, Alabama -- to become a bank 

holding company and to acquire Red Mountain Bank, N.A.

- Approved, February 9, 2007 

Atlanta

Capitol Bancorp Ltd., Lansing, Michigan, and Capitol Development Bancorp 

Limited VI -- to acquire 51 percent of the shares of Sunrise Community Bank, Palm 

Desert, California, a de novo bank.

- Approved, February 9, 2007 

Chicago

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority February 4, 2007 to February 10, 2007

Bank Holding Companies

CenterState Banks of Florida, Inc., Winter Haven, Florida -- to merge with Valrico 

Bancorp, Inc., Valrico, and thereby acquire Valrico State Bank.

- Approved, February 5, 2007 

Atlanta

Hayward Bancshares, Inc., Eau Claire, Wisconsin -- to acquire Summit Community 

Bank, Maplewood, Minnesota, a de novo bank; and for Summit Community Bank 

to become a member of the Federal Reserve System.

- Withdrawn, February 8, 2007 

Minneapolis

Nodaway Valley Bancshares, Inc., Maryville, Missouri -- to acquire Exchange 

Bank, Mound City.

- Approved, February 7, 2007 

Kansas City

Change In Bank Control

Pawhuska Financial Corp., Pawhuska, Oklahoma -- change in bank control.

- Permitted, February 5, 2007 

Kansas City

Prineville Bancorporation, Prineville, Oregon. -- change in bank control.

- Permitted, February 9, 2007 

San Francisco

STAR Financial Group, Inc., Fort Wayne, Indiana -- to retain control of STAR 

Financial Group, Inc.

- Permitted, February 9, 2007 

Chicago

Extensions Of Time

Arvest Bank, Fayetteville, Arkansas -- extension to May 6, 2007, to establish a 

branch at 1818 South Main Street, Grove, Oklahoma.

- Granted, February 7, 2007 

St. Louis

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority February 4, 2007 to February 10, 2007

Financial Holding Companies

Farmers Enterprises, Inc., Great Bend, Kansas -- election to become a financial 

holding company.

- Effective, February 6, 2007 

Kansas City

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

Federal Reserve Bank of Boston

Filings received during the week ending February 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Merrimack Bancorp, MHC, Concord, New

Hampshire to acquire 100% of the voting

shares of Bow Mills Bank, Bow, New

Hampshire pursuant to section 3(a)(3) of the

BHC Act.

MERRIMACK BANCORP MHC

Newspaper:

Federal Register:

* 3A1

* 4c8

02/22/2007

02/26/2007

New England Bancshares, Inc., Enfield, CT -

section 3(a)(1)/4(c)(8) application to acquire

First Valley Bancorp, Inc., Bristol, CT and its

subsidiary bank, Valley Bank, Bristol, CT, and

to retain Enfield Federal Savings and Loan

Association, Enfield, CT.

NEW ENGLAND

BANCSHARES, 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 February 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Amboy Bancorporation Employee Stock

Ownership Plan, ("ESOP"), requests approval

to become a bank holding company, pursuant

to Section 3(a)(1) of the BHC Act of 1956 and

Section 225.15 of Regulation Y, by acquiring

common stock of Amboy Bancorporation, both

of Old Bridge, New Jersey ("Amboy").

AMBOY BANCORPORATION

EMPLOYEE STOCK

OWNERSHIP PLAN

Newspaper:

Federal Register:

* Branch

Not applicable

Banco Popular North America ("BPNA"), New 02/13/2007

York, New York request approval to open a

branch office located at 310 East Houston

Street, New York, New York.

(RSSD#3374850)

BANCO POPULAR NORTH

AMERICA

Newspaper:

Federal Register:

Other Foreign

Not applicable

Banco Santander International, Miami, 02/27/2007

Florida, an Edge Corporation held by Banco

Santander Central Hispano, Madrid, Spain,

provided notice to the Board of Governors of

the Federal Reserve System of its intention to

establish a domestic branch in San Francisco,

California.

BANCO SANTANDER

INTERNATIONAL

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Chemung Canal Trust Company, Elmira, New

York to merge with Partners Interim Bank,

Utica, New York, pursuant to Section 18c of

the Federal Deposit Insurance Act.

CHEMUNG CANAL TRUST

COMPANY

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

China Merchants Bank Co.,

Ltd.("CMB"),Shenzhen, Peoples Republic of

China is applying to establish a branch, under

Section 211.24(a)(1) of Regulation K, in New

York.

CHINA MERCHANTS BANK

CO. LTD.

* 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 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 02/13/2007

02/15/2007

George W. Connell, Radnor, PA, to purchase

up to 19.9% of the voting shares of Bryn Mawr

Bank Corporation, Bryn Mawr, PA.

BRYN MAWR BANK

CORPORATION

Newspaper:

Federal Register:

* 18C Not available

Not applicable

The First National Bank of Newport, Newport,

PA, to merge with and into Orrstown Bank,

Shippensburg, PA.

ORRSTOWN BANK

* 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 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Jerry D. Greer to gain control of

Cumberland Valley Financial Corporation,

London, Kentucky, and indirectly gain control

of Cumberland Valley National Bank & Trust

CUMBERLAND VALLEY

FINANCIAL CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Jerry D. Greer and Garth Rex Greer

to gain control of, First National Financial

Corporation, Manchester, Kentucky, and

indirectly gain control of First National Bank,

Manchester, Kentucky

FIRST NATIONAL FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A5 Not available

* 3A1 03/05/2007

Ohio, through its wholly-owned subsidiary

Penguin Acquisition, LLC, also of Columbus,

Ohio, to acquire 100 percent of Sky Financial

Group, Inc., Bowling Green, Ohio, and thereby

indirectly acquire Sky Bank, Salineville, Ohio,

and Sky Trust, NA, Pepper Pike, Ohio

HUNTINGTON BANCSHARES

INCORPORATED

Newspaper:

Federal Register:

* Branch

Not applicable

Sky Bank, Salineville, OH to maintain a 02/15/2007

branch at Colts Complex Financial Center,

7001 West 56th Street, Indianapolis, IN.

SKY BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Application by The State Bank and Trust

Company, Defiance, OH to merge with The

Exchange Bank, Luckey, OH pursuant to

Section 18(c) of the Federal Deposit Insurance

Act.

STATE BANK AND TRUST

COMPANY, THE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

858210 FARMERS CITIZENS BK, BUCYRUS, OHIO 11/06/2006 01/27/2007 S Small 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 February 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

FIA Card Services, N.A., Wilmington,

Delaware, to make a series of investments in

four subsidiaries.

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 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

CapitalMark Bank & Trust, Chattanooga,

Tennessee (in organization), to become a

member of the Federal Reserve System.

CapitalMark Bank & Trust

Newspaper:

Federal Register:

* 4c8 03/10/2007

02/28/2007

Coastal Community Investments, Inc., Panama

City Beach, Florida, to acquire 100 percent of

the outstanding shares of Bayside Financial

Corporation, and its subsidiary, Bayside

Savings Bank, both of Port St. Joe, Florida.

COASTAL COMMUNITY

INVESTMENTS, INC.

Newspaper:

Federal Register:

* 3A1 03/03/2007

03/05/2007

Encore Bancshares, Inc., Houston, Texas, to

become a bank holding company by acquiring

100 percent of the capital stock of Encore

Bank, to be located in Naples, Florida, upon

Encore bank's conversion from a federal

savings bank to a national bank.

ENCORE BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1

* 3A3

03/03/2007

03/09/2007

FBG Holding Corporation, Tampa, Florida, to

become a bank holding company by acquiring

100 percent of the outstanding shares of

Florida Bank Group, Inc., Tampa, Florida, and

its subsidiaries, Bank of St. Petersburg, Tampa,

Florida, and Bank of North Florida,

Jacksonville, Florida; and to acquire 100

percent of the outstanding shares of The Bank

of Tallahassee, Tallahassee, Florida.

FBG HOLDING

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

03/09/2007

FMCB Holdings, Inc., Senoia, Georgia, to

acquire 100 percent of the outstanding shares

of First Choice Community Bank, Dallas,

Georgia (in organization).

FMCB HOLDINGS, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Paradise Bank, Boca Raton, Florida, to 02/21/2007

establish a branch located at 1351 North

Federal Highway, Delray Beach, Florida.

PARADISE BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 02/17/2007

branches at the following locations: 8001 US

Highway 19 North, Pinellas Park, Florida, to

be known as the Pinellas Park Wal-Mart

Office, and 4928 State Road 674, Wimauma,

Florida, to be known as the Wimauma/SunCity

Wal-Mart Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 02/16/2007

branches at the following locations: 1675 St.

Lucie West Boulevard, Port St. Lucie, Florida,

to be known as the St. Lucie West Wal-Mart

Office, and 6600 South Kanner Highway,

Stuart, Florida, to be known as the Kanner

Crossing Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* 3A3 03/03/2007

03/09/2007

TIB Financial Corp, Naples, Florida, to

acquire 100 percent of the outstanding shares

of the Bank of Venice, Venice, Florida.

TIB FINANCIAL CORP.

Newspaper:

Federal Register:

* Branch

Not applicable

TriSummit bank, Kingsport, Tennessee, to 02/21/2007

establish a branch located at 425 State Street,

Bristol, Virginia.

TRISUMMIT 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 February 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Citizens Bank, Flint, Michigan, to merge with

Republic Bank, Lansing, Michigan, and

thereby to establish branches.

CITIZENS BANK

Newspaper:

Federal Register:

* 3A3 03/02/2007

02/05/2007

Grant County State Bancshares, Inc. Employee

Stock Ownership Plan, Swayzee, Indiana, to

retain control of Grant County State

Bancshares, Inc., Swayzee, Indiana, as a result

of a stock redemption, and thereby indirectly

retain control of Grant County State Bank,

Swayzee, Indiana.

GRANT COUNTY STATE

BANCSHARES, INC,

EMPLOYEES STOCK

OWNERSHIP PLAN

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Isabella Bank and Trust, Mt. Pleasant,

Michigan, to merge with FSB Bank,

Breckenridge, Michigan, and thereby to

establish 5 branches.

ISABELLA BANK AND TRUST

Newspaper:

Federal Register:

* 3A3

* 3A1

03/05/2007

03/09/2007

Orchid Financial Bancorp, Inc., South Elgin,

Illinois, to acquire 55 percent of the voting

shares of Ashland Financial Bancorp, Inc.,

Chicago, Illinois, and thereby indirectly

acquire American Eagle Bank of Chicago (in

organization), Chicago, Illinois, and by

Ashland Financial Bancorp, Inc., Chicago,

Illinois, to become a bank holding company by

acquiring 100 percent of the voting shares of

American Eagle Bank of Chicago (in

organization), Chicago, Illinois.

ORCHID FINANCIAL

BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 02/26/2007

02/23/2007

Partnership Community Bancshares, Inc.,

Tomah, Wisconsin, to become a bank holding

company by acquiring 91 percent of the voting

shares of The Bancorp of Tomah, Inc., Tomah,

Wisconsin, and thereby indirectly acquire First

Bank, Tomah, Wisconsin.

PARTNERSHIP COMMUNITY

BANCSHARES, 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 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The Bank of Fayette County, Moscow, 02/23/2007

Tennessee, to establish a branch facility to be

located at 25205 Highway 57, Grand Junction,

Tennessee.

BANK OF FAYETTE COUNTY

THE

Newspaper:

Federal Register:

* 3A3 03/09/2007

03/13/2007

Cabool State Bank Employee Stock Ownership

Plan, Cabool, Missouri, to acquire an

additional 2 percent, for total ownership of

30.36 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:

Premises Not applicable

Not applicable

Farmers Bank & Trust Company, Blytheville,

Arkansas, to make an additional investment in

premises of $589 thousand, for a total

investment in premises of $7.8 million (199

percent of common stock and surplus).

FARMERS BANK AND TRUST

COMPANY

* 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 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Citizens Bancorp, Inc., Cadott, Wisconsin, to

become a bank holding company by acquiring

100 percent of Citizens State Bank, Cadott,

Wisconsin.

CITIZENS BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Member 03/05/2007

Hayward Bancshares, Inc., Eau Claire,

Wisconsin, to acquire 100 percent of Summit

Community Bank, Maplewood, Minnesota, and

incident thereto, Summit Community Bank,

Maplewood, Minnesota, a de novo bank, to

become a member of the Federal Reserve

System.

HAYWARD BANCSHARES,

INC.

Newspaper:

Federal Register:

CIC Not available

02/05/2007

Notice by Robert Donavon Weerts and Jennifer

Lavon Weerts, both of Winnebago, Minnesota,

to gain control of Northern Star Financial,

Inc., Mankato, Minnesota, and thereby

indirectly gain control of Northern Star Bank,

Mankato, Minnesota.

NORTHERN STAR

FINANCIAL, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

State Bank Financial, La Crosse, Wisconsin,

proposes to purchase the assets and assume the

liabilities of the Sparta, Wisconsin, branch of

Acuity Bank, Tomah, Wisconsin, and incident

thereto establish a branch at 203 West

Wisconsin, Sparta, Wisconsin.

STATE BANK FINANCIAL

Newspaper:

Federal Register:

4c8 Not applicable

02/28/2007

State Bankshares Inc., Fargo, North Dakota, to

acquire 100 percent of Passport Benefit

Solutions, L.L.C., a limited liability company,

Minnetonka, Minnesota and thereby engage in

employee benefits consulting services and

related data processing.

STATE BANKSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

03/05/2007

Trinity Investments, Inc., Glen Ullin, North

Dakota, to become a bank holding company by

acquiring 100 percent of Bank of Glen Ullin,

Glen Ullin, North Dakota.

TRINITY INVESTMENTS, INC.

Newspaper:

Federal Register:

CIC 02/08/2007

02/13/2007

Change in control notice by Duane A.

Kurokawa and Rosella Kurokawa, both of Wolf

Point, Montana, to acquire 25 percent or more

of the shares of Western Holding Company of

Wolf Point, Wolf Point, Montana, and thereby

indirectly acquire control of Western Bank of

Wolf Point, Wolf Point, Montana.

WESTERN HOLDING

COMPANY OF WOLF POINT

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

595953 FARMERS ST BK OF DENTON, DENTON, MONTANA 10/17/2006 01/31/2007 S Small Bank

667252 STOCKMENS BK, CASCADE, MONTANA 10/23/2006 02/06/2007 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 February 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/28/2007

Notice by David and Joyce Sullivan, Elgin,

Nebraska, individually; and by Billy and Karen

Novak, and Alan and Kim Grossnicklaus,

Elgin, Nebraska, Terry and Rhonda Novak,

and Randy Novak, Neligh, Nebraska, and

Richard and Sandy Seckman, Schuyler,

Nebraska, as a group acting in concert; to

acquire control of Antelope Bancshares, Inc.,

parent of Bank of Elgin, both in Elgin,

Nebraska, through the acquisition of voting

shares.

ANTELOPE BANCSHARES,

INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Bank of Blue Valley, Overland Park, Kansas,

to purchase certain assets and assume certain

liabilities of the 9500 Lackman Road branch of

Northland National Bank, Gladstone,

Missouri, and incident thereto, to establish a

branch.

BANK OF BLUE VALLEY

Newspaper:

Federal Register:

* 3A3 Not available

02/02/2007

Columbian Financial Corporation, Overland

Park, Kansas, to acquire 100 percent of the

voting shares of The Bank, Weatherford,

Texas.

COLUMBIAN FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A3 03/03/2007

03/02/2007

First Bancorp of Durango, Inc., Inverness,

Illinois, to acquire 100 percent of the voting

shares of Grants State Bank, Grants, New

Mexico.

FIRST BANCORP. OF

DURANGO, INC.

Newspaper:

Federal Register:

* 3A1 Not available

03/05/2007

First Colorado Financial Corp., Paonia,

Colorado, to become a bank holding company

through the acquisition of 100 percent of the

voting shares of First National Bank of Paonia,

Paonia, Colorado.

FIRST COLORADO

FINANCIAL CORP.

Newspaper:

Federal Register:

CIC Not available

02/20/2007

Notice by Melanie Ranee Christain and Victor

Lee Christain, both of Oklahoma City,

Oklahoma, to acquire control of First State

Bancorporation of Watonga, Inc., parent of

First State Bank, both in Watonga, Oklahoma,

through the acquisition of voting shares.

FIRST STATE

BANCORPORATION OF

WATONGA, INC.

Newspaper:

Federal Register:

* 3A1 02/19/2007

02/16/2007

First Wyoming Bancorporation to become a

bank holding company through the acquisition

of 100 percent of the voting shares of

Wyoming State Bank, both in Laramie,

Wyoming.

FIRST WYOMING

BANCORPORATION

Newspaper:

Federal Register:

* 3A3 03/02/2007

03/05/2007

Kaw Valley Bancshares, Inc., to acquire 100

percent of the voting shares of Kaw Valley

State Bank & Trust Company, both of

Wamego, Kansas.

KAW VALLEY BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A1 Not available

03/09/2007

OMEGA Capital Corp., Centennial, Colorado,

to become a bank holding company through

the acquisition of 100 percent of the voting

shares of Front Range Bancshares, Inc., parent

of Front Range Bank, both in Lakewood,

Colorado.

OMEGA CAPITAL CORP.

* 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

152851 FIRST CMNTY BK, EMPORIA, KANSAS 10/30/2006 01/31/2007 S Small Bank

455150 PAYNE CTY BK, PERKINS, OKLAHOMA 11/08/2006 02/01/2007 S Small Bank

85052 UINTA CTY ST BK, MOUNTAIN VIEW, WYOMING 11/06/2006 02/02/2007 SN Small 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 February 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/28/2007

Notice by Mr. Clarence E. Leatherwood, III,

Dublin, Texas, pursuant to Section

225.42(b)(1)(i) of Regulation Y, to control up

to 30 percent of Dublin Bancshares, Inc.,

Dublin Texas, voting securities, and indirectly

First National Bank of Dublin, Dublin, Texas.

DUBLIN BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

03/07/2007

Farmers & Merchants Bancshares, Inc.,

Houston, Texas, to acquire 100 percent of

Texas Premier Bank, N.A., Brookshire, Texas.

FARMERS & MERCHANTS

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

03/07/2007

First Texas BHC, Inc., Fort Worth, Texas, to

become a bank holding company by acquiring

100 percent of Community Bank of Texas,

National Association, Grand Prairie, Texas.

FIRST TEXAS BHC, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending February 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

03/08/2007

Castle Creek Capital Partners III LP, Castle

Creek Capital III LLC, Eggemeyer Capital

LLC, Ruh Capital LLC, Legions IV Advisory

Corp., all of Rancho Santa Fe, California, and

The BANKshares, Inc., Melbourne, Florida, to

acquire 100 percent of BankFIRST Bancorp,

and thereby indirectly acquire its subsidiary,

BankFIRST both of Winter Park, Florida.

CASTLE CREEK CAPITAL

PARTNERS III, L.P.

Newspaper:

Federal Register:

CIC Not available

02/28/2007

Notice by R. Scott Priest, Layton, Utah, to

retain his ownership of 15.55 percent of

Centennial Bankshares, Inc., and thereby

indirectly control its subsidiary, Centennial

Bank, both of Ogden, Utah.

CENTENNIAL BANKSHARES,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Nara Bank, Los Angeles, California, to 02/18/2007

establish a branch facility at 10055 Garden

Grove Boulevard, Garden Grove, California.

NARA BANK

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Western Arizona Bancorp, Inc., to become a

bank holding company by acquiring 100

percent of 1st Bank Yuma, both of Yuma,

Arizona.

WESTERN ARIZONA

BANCORP, INC.

* 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