Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 41 

Week Ending October 13, 2007

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

Bank of America Corporation, Charlotte, North Carolina -- commenters' requests for 

reconsideration of the Board's approval of the application to acquire ABN AMRO 

North America Holding Company, Chicago, Illinois, and its subsidiaries.

- Denied, October 10, 2007

Citigroup Inc., New York, New York -- determination that the acquisition, 

management, and operation in the United Kingdom by Citigroup Inc. of certain 

defined benefit pension plans established by unaffiliated third parties are activities 

that are financial in nature.

- Approved, October 10, 2007

Forms

Forms -- final Board review to extend with revision the Intermittent Survey of 

Businesses (FR 1374) and to extend without revision the Semiannual Report of 

Derivatives Activity (FR 2436).

- Approved, October 10, 2007

Regulations And Policies

Monetary Policy -- additional policy options for addressing strains in money markets.

- Discussed, September 17, 2007

(A/C)

Monetary Policy -- joint session of the Board and Federal Open Market Committee 

on additional policy options for addressing strains in money markets.

- Discussed, September 18, 2007

(A/C)

H.2 Board Actions October 7, 2007 to October 13, 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

October 7, 2007 to October 13, 2007

Bank Branches, Domestic

Comerica Bank, Detroit, Michigan -- to establish branches at 2804 North 44th Street, 

Phoenix, Arizona; 4545 North Scottsdale Road, Scottsdale; 5225 South Power Road, 

Mesa; and 925 North Dobson Road.

Secretary

- Approved, October 11, 2007

First Premier Bank, Sioux Falls, South Dakota -- to establish a branch at 4001 West 

Benson Road.

Minneapolis

- Approved, October 10, 2007

First State Bank, Conway, Arkansas -- to establish a branch at 100 South St. Joseph 

Street, Morrilton.

St. Louis

- Approved, October 10, 2007

Gateway Bank & Trust Co., Elizabeth City, North Carolina -- to establish a branch at 

901 Military Cutoff Road, Wilmington.

Richmond

- Approved, October 11, 2007

Gold Canyon Bank, Gold Canyon, Arizona -- to establish a branch at 9299 West 

Olive Avenue, Peoria.

San Francisco

- Approved, October 11, 2007

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

New Peoples Bank, Inc., Honaker, Virginia -- to establish a branch at 427 Main 

Street, Bland.

Richmond

- Approved, October 12, 2007

Orion Bank, Naples, Florida -- to establish a branch at 6310 State Road 64 East, 

Bradenton.

Atlanta

- Approved, October 9, 2007

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 7830 Land O Lakes 

Boulevard, Land O Lakes, Florida.

Secretary

- Approved, October 11, 2007

Bank Holding Companies

Banco Popular Espanol, S.A., Madrid, Spain -- to become a bank holding company 

and to acquire TotalBank, Miami, Florida.

Atlanta

- Approved, October 9, 2007

North West Bancshares, Inc., Acworth, Georgia -- to become a bank holding 

company and to acquire Northwest Bank & Trust.

Atlanta

- Approved, October 10, 2007

H.2 Actions under delegated authority October 7, 2007 to October 13, 2007

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

PB Financial Corporation, Colleyville, Texas -- to become a bank holding company 

and to acquire Peoples Bank.

Dallas

- Approved, October 12, 2007

Virginia Financial Group, Inc., Culpeper, Virginia -- to acquire FNB Corporation, 

Christiansburg, and thereby acquire First National Bank.

Richmond

- Approved, October 12, 2007

Banks, Foreign

Barclays Bank plc, London, United Kingdom -- request for a temporary exemption 

from section 23A of the Federal Reserve Act.

Director, BS&R

- Granted, October 11, 2007

The Royal Bank of Scotland plc, Edinburgh, Scotland -- request for a temporary 

exemption from section 23A of the Federal Reserve Act.

Director, BS&R

- Granted, October 12, 2007

Change In Bank Control

Northern Bancorp, Inc., Woburn, Massachusetts -- change in bank control.

Boston

- Permitted, October 12, 2007

H.2 Actions under delegated authority October 7, 2007 to October 13, 2007

(A/C) = Addition or Correction Delegated - 3 of 5
Extensions Of Time

Belvedere SoCal, San Francisco, California -- extension to January 17, 2008, to 

become a bank holding company and to acquire Professional Business Bank, 

Pasadena; and for Belvedere Capital Partners II, LLC, and Belvedere Capital Fund II, 

LP, San Francisco, to acquire shares of Professional Business Bank, Pasadena.

San Francisco

- Granted, October 11, 2007

Capital City Bank, Tallahassee, Florida -- extension to October 11, 2008, to establish 

a branch at 5981 Zebulon Road, Macon, Georgia.

Atlanta

- Granted, October 9, 2007

First Security Bank of Conway, Conway, Arkansas -- extension to January 5, 2008, 

to establish a branch at 624 Highway 365 South, Mayflower.

St. Louis

- Granted, October 11, 2007

Granite Bancshares, Inc., Granite Bay, California -- extension to January 13, 2008, to 

become a bank holding company and to acquire Granite Community Bank, N.A.

San Francisco

- Granted, October 11, 2007

Minier Financial, Inc. Employee Stock Ownership Plan w/401(K) Provisions, Minier, 

Illinois -- extension to January 11, 2008, to increase its ownership of Minier 

Financial, Inc., and thereby increase its ownership of First Farmers State Bank.

Chicago

- Granted, October 10, 2007

H.2 Actions under delegated authority October 7, 2007 to October 13, 2007

(A/C) = Addition or Correction Delegated - 4 of 5
Membership

Louisa Community Bank, Louisa, Kentucky -- to become a member of the Federal 

Reserve System.

Cleveland

- Withdrawn, October 10, 2007

Wilmington Trust Company, Wilmington, Delaware -- to become a member of the 

Federal Reserve System.

Philadelphia

- Approved, October 10, 2007

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on September 18, 2007.

FOMC

- Published, October 9, 2007

H.2 Actions under delegated authority October 7, 2007 to October 13, 2007

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

Federal Reserve Bank of Boston

Filings received during the week ending October 13, 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

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 October 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Andhra Bank, Hyderabad, India, to establish a 

representative office in Jersey City, New Jersey.

ANDHRA BANK

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Bank of New York, New York, New York, to 

make an additional investment in ABN AMRO 

Mellon Global Securities Services, BV, 

Amsterdam, Netherlands, as a subsidiary, 

pursuant to Section 211.9(f) of Regulation K.

BANK OF NEW YORK, THE

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

DekaBank Deutsche Girozentrale, Frankfurt am 

Main, Germany, to establish a representative 

office in New York, New York, pursuant to 

Section 211.24(a)(1) of Regulation K.

DGZ DEKABANK DEUTSCHE 

KOMMUNALBANK

Newspaper:

Federal Register:

FBSEA

Not applicable

International Bank of Azerbaijan, Baku, 09/13/2007

Azerbaijan, to establish a representative office 

in New York, New York, pursuant to Section 

10(a) of the International Banking Act, as 

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

K.

INTERNATIONAL BANK OF 

AZERBAIJAN

* 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 October 13, 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 October 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Cortland Savings and Banking Company, 10/16/2007

Cortland, Ohio to establish branch at 9001 

Market Street, North Lima, Ohio 44452

CORTLAND SAVINGS AND 

BANKING COMPANY, THE

Newspaper:

Federal Register:

* 3A5 09/25/2007

10/11/2007

First Corbin Bancorp, Inc. proposed acquistion 

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

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

the BHCA.

FIRST CORBIN BANCORP, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

North Side Deposit Bank and Trust Company, 

Cincinnati, OH to establish a branch at State 

Route 22 and US 48, Maineville, OH.

NORTH SIDE BANK AND TRUST 

COMPANY, THE

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Application by PNC Bank, Delaware, 

Wilmington, Delaware, to acquire by merger 

Delaware Sterling Bank & Trust Company, 

Christiana, Delaware

PNC BANK, DELAWARE

* 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 October 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Lancaster, Kilmarnock, Virginia, 10/19/2007

proposes to establish a branch at Route 205, 

Beachgate Shopping Center, Colonial Beach, 

Virginia.

BANK OF LANCASTER

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Royal Bank of Canada, Montreal, Canada, to 

establish a branch at Three World Financial 

Center, 200 Vesey Street, New York, New York.

ROYAL BANK OF CANADA

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

SNS Property Finance B.V., Hoevelaken, 

Netherlands, to establish a representative office 

in Reston, Virginia.

SNS PROPERTY FINANCE B.V.

Newspaper:

Federal Register:

* 4c8 10/20/2007

11/09/2007

Summit Financial Group, Inc., Moorefield, West 

Virginia, to acquire 100% of the voting 

securities of Greater Atlantic Financial Corp., 

Reston, Virginia, and thereby indirectly acquire 

Greater Atlantic Bank, Reston, Virginia.

SUMMIT FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Waccamaw Bank, Whiteville, North Carolina, 10/19/2007

proposes to establish a branch at 8001 East Oak 

Island Drive, Oak Island, North Carolina.

WACCAMAW BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Waccamaw Bank, Whiteville, North Carolina, 10/19/2007

proposes to establish a branch at 200 Smith 

Avenue, Shallotte, North Carolina.

WACCAMAW BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Waccamaw Bank, Whiteville, North Carolina, 10/20/2007

proposes to establish a branch at 5429 Dick 

Pond Road, Myrtle Beach, South Carolina.

WACCAMAW BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Waccamaw Bank, Whiteville, North Carolina, 10/26/2007

proposes to establish a branch at 112 

Waccamaw Medical Park, Conway, South 

Carolina.

WACCAMAW 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 October 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 October 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 10/29/2007

Capitol Bancorp, Ltd., Lansing, Michigan, to 

acquire 51 percent of the voting shares of 

Citizens Business Bank (in organization), 

Goodyear, Arizona, and by Capitol 

Development Bancorp Limited VII, Lansing, 

Michigan, to become a bank holding company 

by acquiring 51 percent of the voting shares of 

Citizens Business Bank (in organization), 

Goodyear, Arizona.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 Not available

11/05/2007

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VII, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Community Bank of Lincoln (in 

organization), Lincoln, Nebraska, and thereby 

operate a savings association.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 Not available

11/05/2007

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VI, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Brookhollow Bank (in 

organization), Irving, Texas, and thereby to 

operate a savings association.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 Not available

11/05/2007

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VI, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Bank of Fort Bend (in 

organization), Sugar Land, Texas, and thereby 

to operate a savings association.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

CIC Not available

10/24/2007

Notice by James P. Stein, Muscatine, Iowa; 

Mary Ann Bramhall-Lambert, Muscatine, Iowa; 

Thomas L. Lambert, Muscatine, Iowa; Velma M. 

Lambert, Muscatine, Iowa; as a family acting in 

concert; and William M. Parks, Muscatine, 

Iowa, individually and in concert with Ann F. 

Parks, Muscatine, Iowa, to gain control of 

Central Bancshares, Inc., Muscatine,Iowa, and 

thereby indirectly Central State bank, 

Muscatine, Iowa; Farmers and Mechanics Bank, 

Galesburg, Illinois; Freedom Security Bank, 

Coralville, Iowa; and West Chester Savings 

Bank, Washington, Iowa.

CENTRAL BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish 

two branch facilities to be located at 11355 

South Street, Cerritos, California, and 2795 

Pacific Coast Highway, Torrance, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish 

four branch facilities to be located at: 5940 

Fairmount Parkway, Pasadena, Texas; 14950 

Avery Ranch Blvd., Austin, Texas; 810 E. 

Whitestone Blvd., Bldg. C, Cedar Park, Texas, 

and at the southwest corner of Bee Caves Road 

and Westlake Drive, West Lake Hills, Texas.

COMERICA BANK

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

Federal Reserve Bank of Chicago

Filings received during the week ending October 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish 

two branch facilities to be located at 644 Laurel 

Street, San Carlos, San Mateo County, 

California; and 1351 Howard Avenue, 

Burlingame, San Mateo County, California.

COMERICA BANK

Newspaper:

Federal Register:

* 3A1 11/02/2007

11/05/2007

Greenfield Bancorporation, Ltd., Greenfield, 

Iowa, to become a bank holding company by 

acquiring 100 percent of Union State Bank, 

Greenfield, Iowa.

GREENFIELD 

BANCORPORATION, LTD

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

11/13/2007

IBT Bancorp, Inc., Mt. Pleasant, Michigan, to 

merge with Greenville Community Financial 

Corporation, Greenville, Michigan, and thereby 

indirectly acquire Greenville Community Bank, 

Greenville, Michigan, and the related application 

by Isabella Bank and Trust, Mt. Pleasant, 

Michigan, to merge with Greenville Community 

Bank, Greenville, Michigan, and thereby 

establish two branches..

IBT 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 October 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 11/09/2007

10/29/2007

Home BancShares, Inc., Conway, Arkansas, to 

merge with Centennial Bancshares, Inc., Little 

Rock, Arkansas, and thereby indirectly acquire 

Centennial Bank, Kingsland, Arkansas.

HOME BANCSHARES, INC.

Newspaper:

Federal Register:

* 4c8 11/04/2007

11/05/2007

Integra Bank Corporation, Evansville, Indiana, 

to merge with Peoples Community Bancorp, 

Inc., West Chester, Ohio, and thereby indirectly 

acquire Peoples Community Bank, West 

Chester, Ohio.

INTEGRA BANK CORPORATION

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 October 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/12/2007

Change in control notice by Michael L. Frei, 

Pickstown, South Dakota to join a group acting 

in concert by acquiring shares of Commercial 

Holding Company, Wagner, South Dakota, and 

thereby indirectly acquiring control of 

Commercial State Bank, Wagner, South Dakota.

COMMERCIAL HOLDING 

COMPANY

Newspaper:

Federal Register:

* 3A5 Not available

11/05/2007

Dairyland Bancorp, Inc., Bruce, Wisconsin, to 

acquire 100 percent of Gilman Corporation, 

Gilman, Wisconsin, and thereby indirectly 

acquire State Bank of Gilman, Gilman, 

Wisconsin.

DAIRYLAND BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

11/13/2007

First Interstate BancSystem, Inc., Billings, 

Montana, to acquire 100 percent of First 

Western Bank, Wall, South Dakota, and The 

First Western Bank of Sturgis, Sturgis, South 

Dakota.

FIRST INTERSTATE 

BANCSYSTEM, INC.

Newspaper:

Federal Register:

* 3A3 10/27/2007

10/29/2007

Hazen Bancorporation, Hazen, North Dakota, to 

increase its ownership of the outstanding stock 

of North Star Holding Company, Jamestown, 

North Dakota, to 16.67%, and thereby indirectly 

acquire Unison Bank, Jamestown, North Dakota.

HAZEN BANCORPORATION, 

INC.

Newspaper:

Federal Register:

* 3A3 10/27/2007

10/29/2007

McIntosh County Bank Holding Company, 

Ashley, North Dakota, to increase its ownership 

of the outstanding stock of North Star Holding 

Company, Jamestown, North Dakota, to 33.33%, 

and thereby indirectly acquire Unison Bank, 

Jamestown, North Dakota.

MCINTOSH COUNTY BANK 

HOLDING COMPANY, INC.

Newspaper:

Federal Register:

* 3A1 Not available

11/13/2007

Ramsey Financial Corporation and Affiliates 

Employee Stock Ownership Plan, Devils Lake, 

North Dakota to become a bank holding 

company by increasing its ownership of 

Ramsey Financial Corporation, Devils Lake, 

North Dakota, to at least 50.7% and thereby 

indirectly acquire Ramsey National Bank and 

Trust Company of Devils Lake, Devils Lake, 

North Dakota.

RAMSEY FINANCIAL 

CORPORATION AND 

AFFILIATES EMPLOYEE STOCK 

OWNERSHIP PLAN

Newspaper:

Federal Register:

* 3A3 10/27/2007

10/29/2007

Wishek Bancorporation, Wishek, North Dakota, 

to increase its ownership of the outstanding 

stock of North Star Holding Company, 

Jamestown, North Dakota, to 33.33%, and 

thereby indirectly acquire Unison Bank, 

Jamestown, North Dakota.

WISHEK 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 October 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 10/26/2007

10/24/2007

Notification by the Regnier Trust (Ann Regnier, 

trustee), as general partner of the Robert D. and 

Ann Regnier Family Limited Partnership, 

Leawood, Kansas; Victor A. Regnier, Los 

Angeles, California; Catherine M. Regnier, 

Mission, Kansas; Ranch Mart Hardware (Robert 

D. Regnier, president), Shawnee Mission, 

Kansas; Regnier Investments, Shawnee 

Mission, Kansas; and Regnier Management 

LLC (Robert D. Regnier, managing member) as 

general partner of the Regnier Family Limited 

Partnership, Regnier Family Limited Partnership 

II, and the Regnier Family Limited Partnership 

III, all of Shawnee Mission, Kansas, as members 

of the Regnier Family Group to retain control of 

Blue Valley Ban Corp., parent of Bank of Blue 

Valley, both in Overland Park, Kansas.

BLUE VALLEY BAN CORP.

Newspaper:

Federal Register:

* 3A1

4c8

11/12/2007

11/09/2007

Central Bancorp, Inc., Colorado Springs, 

Colorado, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of Central Bank & Trust, 

Colorado Springs, Colorado (in organization). 

Central Bancorp, Inc., Colorado Springs, 

Colorado, to engage in extending credit and 

servicing of loans through the acquisition of 

Elite Properties of America II, Inc., Colorado 

Springs, Colorado. Central Bancorp, Inc., 

Colorado Springs, Colorado, to engage in 

extending credit and servicing of loans through 

the acquisition of CB&T Mortgage, LLC, 

Colorado Springs, Colorado. Central Bancorp, 

Inc., Colorado Springs, Colorado, to engage in 

extending credit and servicing of loans through 

the acquisition of CityFirst Mortgage, LLC, 

Colorado Springs, Colorado. Central Bancorp, 

Inc., Colorado Springs, Colorado, to engage in 

trust activities through the acquisition of CB&T 

Trust, LLC, Sioux Falls, South Dakota. Central 

Bancorp, Inc., Colorado Springs, Colorado, to 

engage in financial and investment advisory 

activities through the acquisition of CB&T 

Wealth Management, Inc., Colorado Springs, 

Colorado.

CENTRAL BANCORP, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Cornerstone Bank, York, Nebraska, to merge 10/05/2007

with Bank of St. Edward, Saint Edward, 

Nebraska, and incident thereto, to establish a 

branch.

CORNERSTONE BANK

Newspaper:

Federal Register:

CIC Not available

10/23/2007

Notice by Jack L. Justice, Pauls Valley, 

Oklahoma, to acquire control of First Lindsay 

Corporation, parent of The First National Bank 

of Lindsay, both in Lindsay, Oklahoma, through 

the acquisition of voting shares.

FIRST LINDSAY CORPORATION

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

Federal Reserve Bank of Kansas City

Filings received during the week ending October 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 11/12/2007

11/13/2007

The Jarrel Morris Jones Family, LLC, to become 

a bank holding company through the 

acquisition of 35.444 percent of the voting 

shares of Triad Bancshares, Inc., parent of Triad 

Bank, National Association, all of Tulsa, 

Oklahoma.

JARRELL MORRIS JONES 

FAMILY, LLC, THE

Newspaper:

Federal Register:

CIC Not available

11/02/2007

Notice by L. Kent Needham Revocable Stock 

Trust, L. Kent Needham, Tonganoxie, Kansas, 

trustee, and Terry L. Needham Revocable Stock 

Trust, Terry L. Needham, Tonganoxie, Kansas, 

trustee, to acquire control of Overbrook 

Bankshares, Inc., parent of The First Security 

Bank, both in Overbrook, Kansas, through the 

acquisition of voting shares.

OVERBROOK BANKSHARES, 

INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Sooner Southwest Bankshares, Inc., Tulsa, 

Oklahoma, proposes to engage in lending 

activities.

SOONER SOUTHWEST 

BANKSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

11/01/2007

Notice by Loris D. New Trust, UTA 09-07-93, 

Loris D. New, Leavenworth, Kansas, trustee; to 

acquire control of Tonganoxie Bankshares, Inc., 

parent of First State Bank and Trust, both in 

Tonganoxie, Kansas; and by the Damon L. New 

Trust, UTA 12-12-97, Damon L. New, 

Leavenworth, Kansas, as trustee and 

individually; the Jilinda A. White Trust, UTA 

12-12-97, Jilinda A. White, Leavenworth, 

Kansas, as trustee and individually; the 

Shawnda D. Gilmore Trust, UTA 12-12-97, 

Shawnda D. Gilmore, Leavenworth, Kansas, as 

trustee and individually; the Brandon O. New 

Trust, UTA 12-12-97, Brandon O. New, 

Leavenworth, Kansas, as trustee and 

individually; to retain control of Tonganoxie 

Bankshares, Inc., parent of First State Bank and 

Trust, both in Tonganoxie, Kansas, as members 

of the New Family Group, a group acting in 

concert, through the acquisition of voting 

shares.

TONGANOXIE BANKSHARES, 

INC.

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

Federal Reserve Bank of Kansas City

Filings received during the week ending October 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 11/12/2007

11/01/2007

Notice by Jarrel M. Jones, Tulsa, Oklahoma, 

individually, as a member of the Jarrel M. Jones 

Family Group, and as trustee of the Jimmy K. 

and Annahlee Jones Trust for Matthew Howard 

Franks, the Jimmy K. and Annahlee Jones Trust 

for Michael James Franks, the Jimmy K. and 

Annahlee Jones Trust for Mark William Franks, 

the Jimmy K. and Annahlee Jones Trust for 

Annahlyn Dawn Jones, the Jimmy K. and 

Annahlee Jones Trust for Emmie Kathryn Jones, 

the Jimmy K. and Annahlee Jones Trust for 

James Ryan Jones, the Jimmy K. and Annahlee 

Jones Trust for Jeffrey Allen Jones, the Jimmy 

K. and Annahlee Jones Trust for Laura Janell 

Jones, the Jimmy K. and Annahlee Jones Trust 

for Jennifer Lee Jones, the Jimmy K. and 

Annahlee Jones Trust for James Christopher 

Jones, the Jimmy K. and Annahlee Jones Trust 

for James Eric Jones, the Jimmy K. and 

Annahlee Jones Trust for Jordan Elijah 

Helmerich, the Jimmy K. and Annahlee Jones 

Trust for Erica Elicia Helmerich, the Jimmy K. 

and Annahlee Jones Trust for Jason William 

Deck, the Jimmy K. and Annahlee Jones Trust 

for James Bryan Deck, the Jimmy K. and 

Annahlee Jones Trust for Jessie Anna Deck, all 

of Tulsa, Oklahoma; by the 16 above-mentioned 

trusts as notificants; and by James C. Jones, 

Tulsa, Oklahoma, Jennifer Lee Carroll, Bixby, 

Oklahoma, and James E. Jones, Tulsa, 

Oklahoma, as members of the Jarrel M. Jones 

Family Group; to acquire control of Triad 

Bancshares, Inc., parent of Triad Bank, National 

Association, both in Tulsa, Oklahoma, through 

the acquisition of voting shares.

TRIAD BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 October 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

11/13/2007

A.N.B. Holding Company, Ltd., Terrell, Texas, 

and The ANB Corporation, Terrell, Texas, to 

acquire 100 percent of DNB Bancshares, Inc., 

Dallas, Texas, and indirectly acquire DNB 

Delaware Financial Corporation, Dover, 

Delaware, and Dallas National Bank, Dallas, 

Texas.

A.N.B. HOLDING COMPANY, 

LTD.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

FB Bancshares, Inc., Wichita Falls, Texas, to 

become a bank holding company through the 

acquisition of 100 percent of Fidelity Bank, 

Wichita Falls, Texas.

FB Bancshares, Inc.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

First Private Holdings Inc., Dallas, Texas, to 

become a bank holding company by acquiring 

100 percent of First Private Bank of Texas, 

Dallas, Texas.

FIRST PRIVATE HOLDINGS INC.

Newspaper:

Federal Register:

* 3A1 Not available

11/13/2007

Lone Star State Bancshares, Inc., Lubbock, 

Texas, to become a bank holding company by 

acquiring 100 percent of Lone Star State Bank of 

West Texas, Lubbock, Texas (de novo).

LONE STAR STATE 

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Tradition Bank, Houston, Texas, to establish a 10/25/2007

branch to be located at Kirby Drive and Shadow 

Creek Parkway, Pearland, Texas 77584.

TRADITION 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 October 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 11/05/2007

11/09/2007

Belvedere SoCal, San Francisco, California, to 

acquire 100 percent of Spectrum Bank, Irvine, 

California, and Belvedere Capital Partners II 

LLC, and Belvedere Capital Fund II LP, San 

Francisco, California, to indirectly acquire 

control of up to 67 percent of Spectrum Bank.

BELVEDERE SOCAL

Newspaper:

Federal Register:

* 4c8 11/16/2007

11/13/2007

Castle Creek Capital Partners III LP, Castle Creek 

Capital III LLC, Eggemeyer Capital LLC, Ruh 

Capital LLC, and Legions IV Advisory Corp., all 

of Rancho Santa Fe, California, to increase their 

ownership up to 42 percent in Atlanta 

Bancorporation, and thereby, indirectly, its 

subsidiary, Bank of Atlanta FSB, both of 

Atlanta, Georgia, and thereby indirectly operate 

a savings association.

CASTLE CREEK CAPITAL 

PARTNERS III, L.P.

Newspaper:

Federal Register:

CIC Not available

Not available

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

Araneta, Fernando G. Araneta, Maria M.G. 

Araneta, Margarita A. Holigores, Marilou G. 

Joaquin, all of the Philippines, and Hugo N. 

Bonilla, Newark, California, to retain shares of 

MNB Holdings Corporation, and thereby 

indirectly control its subsidiary, Mission 

National Bank, both of San Francisco, 

California.

MNB HOLDINGS CORPORATION

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:

4c8 Not applicable

Not applicable

W.T.B. Financial Corporation, Spokane, 

Washington, to retroactively acquire shares of 

IT-Lifeline, Inc., Liberty Lake, Washington, 

pursuant to section 225.28(b)(14) of Regulation 

Y.

W.T.B. FINANCIAL 

CORPORATION

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act