Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 52 

Week Ending December 29, 2007

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

H.2 Board Actions December 23, 2007 to December 29, 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

December 23, 2007 to December 29, 2007

Bank Branches, Domestic

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 13800 Cantrell Road, 

Little Rock.

St. Louis

- Approved, December 26, 2007

Bank 7, Medford, Oklahoma -- to establish a branch at 120 North First Street.

Kansas City

- Approved, December 28, 2007

Bank of North Florida, Jacksonville, Florida -- to establish a branch at 1432 1st 

Street, Sarasota, and to designate it as the main office.

Atlanta

- Approved, December 27, 2007

Four Oaks Bank & Trust Company, Four Oaks, North Carolina -- to establish a 

branch at 604A Erwin Road, Dunn.

Richmond

- Approved, December 27, 2007

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 9920 Poplar Tent Road, 

Concord, North Carolina.

Secretary

- Approved, December 28, 2007

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

Bridgeview Bancorp, Inc., Bridgeview, Illinois -- to retain the nonbanking activity of 

extending credit and servicing loans.

Chicago

- Approved, December 21, 2007

(A/C)

Canandaigua National Corporation, Canandaigua, New York -- to acquire Genesee 

Valley Trust Company, Pittsford.

New York

- Approved, December 27, 2007

Capital One, National Association and Capital One Financial Corporation, McLean, 

Virginia -- request for an exemption from section 23A of the Federal Reserve Act.

Director, BS&R

- Granted, December 21, 2007

(A/C)

First Volunteer Corporation, Chattanooga, Tennessee -- to acquire Benton Banking 

Company, Benton.

Atlanta

- Approved, December 17, 2007

(A/C)

FNB Holding Company, Fort Stockton, Texas -- to become a bank holding company 

and to acquire First National Bank of Fort Stockton.

Dallas

- Approved, December 28, 2007

H.2 Actions under delegated authority December 23, 2007 to December 29, 2007

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

Independent Bank Corp., Rockland, Massachusetts -- waiver of application to acquire 

Slade's Ferry Bancorp, Somerset, in connection with the merger of their respective 

subsidiaries, Rockland Trust Company, Rockland, and Slade's Ferry Trust Company, 

Somerset.

Boston

- Granted, December 17, 2007

(A/C)

Investors Bancorp, MHC, Short Hills, New Jersey, and Investors Bancorp, Inc. -- to 

acquire Summit Federal Bankshares, MHC, Summit, Summit Federal Bankshares, 

Inc., and Summit Federal Savings Bank.

New York

- Approved, December 28, 2007

Klein Financial, Inc., Chaska, Minnesota -- to acquire First Community Bank, 

Savage.

Minneapolis

- Approved, December 27, 2007

Mitsubishi UFJ Financial Group, Inc., Tokyo, Japan -- to acquire an interest in 

Diamond Lease (U.S.A.), Inc., New York, New York, and thereby engage in the 

leasing of personal or real property.

San Francisco

- Approved, December 21, 2007

(A/C)

NHB Holdings, Inc., Jacksonville, Florida, and Proficio Mortgage Ventures, LLC -- 

to engage de novo in a joint venture with NRI Mortgage Solutions, Buffalo Grove, 

Illinois, in conducting mortgage banking activities.

San Francisco

- Approved, December 20, 2007

(A/C)

H.2 Actions under delegated authority December 23, 2007 to December 29, 2007

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

State Bancorp Northwest, Spokane Valley, Washington -- to become a bank holding 

company and to acquire State Bank Northwest.

San Francisco

- Approved, December 28, 2007

State Bankshares, Inc., Fargo, North Dakota -- to acquire shares of Lighthouse1, 

L.L.C., Minneapolis, Minnesota, and thereby engage in permissible nonbanking 

activities.

Minneapolis

- Approved, December 21, 2007

(A/C)

Watertown Savings Bank, Watertown, New York -- waiver of application in 

connection with the merger of Watertown with Northern New York Bancorp, Inc. 

and its subsidiary, Redwood Bank.

New York

- Granted, December 28, 2007

Change In Bank Control

Citizens Bankshares, Inc., Okemah, Oklahoma -- change in bank control of 

Bankshares and its subsidiary bank, Citizens State Bank.

Kansas City

- Permitted, December 28, 2007

Medina Community Bancshares, Inc., Hondo, Texas -- change in bank control of 

Bancshares and its subsidiary bank, Community National Bank.

Dallas

- Permitted, December 20, 2007

(A/C)

H.2 Actions under delegated authority December 23, 2007 to December 29, 2007

(A/C) = Addition or Correction Delegated - 4 of 6
Extensions Of Time

Community Capital Bank of Virginia, Christiansburg, Virginia -- extension to March 

28, 2008, to become a member of the Federal Reserve System.

Richmond

- Granted, December 27, 2007

Mineola Community Mutual Holding Company, Mineola, Texas, and Mineola 

Community Financial Group, Inc -- extension to February 15, 2008, to become bank 

holding companies and to acquire Mineola Community Bank, S.S.B.

Dallas

- Granted, December 28, 2007

Virginia Community Capital, Inc., Christiansburg, Virginia -- extension to March 28, 

2008, to become a bank holding company and to acquire Community Capital Bank of 

Virginia (in organization).

Richmond

- Granted, December 27, 2007

Financial Holding Companies 

Grant County Bank Employee Stock Ownership Plan, Ulysses, Kansas -- election to 

become a financial holding company.

Kansas City

- Effective, December 26, 2007

Membership

Amboy Bank, Old Bridge, New Jersey -- to become a member of the Federal Reserve 

System.

New York

- Approved, December 28, 2007

H.2 Actions under delegated authority December 23, 2007 to December 29, 2007

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

Security National Bank, Durand, Wisconsin -- to retain membership in the Federal 

Reserve System on conversion to a state-chartered bank, to be known as Security 

Financial Bank.

Minneapolis

- Approved, December 27, 2007

H.2 Actions under delegated authority December 23, 2007 to December 29, 2007

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

Federal Reserve Bank of Boston

Filings received during the week ending December 29, 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 December 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

Banco Espirito Santo de Investimento, S.A., 11/17/2007

Lisbon, Portugal, to establish a branch in New 

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

International Banking Act.

BANCO ESPIRITO SANTO DE 

INVESTIMENTO, S.A.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

KfW IPEX Bank GmbH, Frankfurt, 

Germany,(in-formation) to establish a 

representative office in New York, New York, 

pursuant to Section 10(a) of the International 

Banking Act of 1978, as amended, and Section 

211.24(a)(1) of Regulation K.

KFW IPEX - BANK GMBH

Newspaper:

Federal Register:

* 3A1 Not available

01/18/2008

National Australia Bank Limited, Melbourne, 

Australia, to become a one-bank holding 

company, pursuant to Section 3(a)(1) of the 

BHC Act and Section 225.17 of Regulation Y, by 

acquiring Great Western Bancorporation, Inc., 

Omaha, Nebraska and its subsidiary Great 

Western Bank, Watertown, South Dakota.

NATIONAL AUSTRALIA BANK 

LIMITED

* 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 December 29, 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 December 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Cortland Savings and Banking Company, 

Corland, OH to establish a branch at 15561 

West High Street, Middlefield, OH.

CORTLAND SAVINGS AND 

BANKING COMPANY, THE

Newspaper:

Federal Register:

CIC Not available

Not available

Notice of Change in Bank Control,Robert Duane 

Hord (and Hord control group) to acquire in 

excess of 10 percent of the outstanding shares 

of FC Banc Corp., Bucyrus, Ohio

FC BANC CORP

Newspaper:

Federal Register:

* 3A5 Not available

01/04/2008

Milton Bancorp, Inc., Wellston, Ohio, to acquire 

100 percent of Community First Financial 

Bancorp, Inc., New Holland, Ohio, and thereby 

acquire The First National Bank of New Holland, 

New Holland, Ohio

MILTON 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 December 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Benchmark Community Bank, Kenbridge, 

Virginia, to increase its investment in bank 

premises by $3.6 million.

BENCHMARK COMMUNITY 

BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Old Line Bank, Bowie, Maryland, to establish a 01/10/2008

branch at 12100 Annapolis Road, Glenn Dale, 

Maryland.

OLD LINE BANK

Newspaper:

Federal Register:

* 18C

Not applicable

Union Bank and Trust Company, Bowling 01/24/2008

Green, Virginia, to merge with Prosperity Bank & 

Trust Company, Springfield, Virginia.

UNION BANK AND TRUST 

COMPANY

* 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 December 29, 2007

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:

* 3A1 Not available

01/25/2008

Capstone Bancshares, Inc., Tuscaloosa, 

Alabama, to become a bank holding company 

by acquiring 100 percent of the outstanding 

shares of South Alabama Holding Company, 

Inc., and its subsidiary, Southwest Bank of 

Alabama, both of McIntosh, Alabama.

CAPSTONE BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C

Not applicable

Compass Bank, Birmingham, Alabama, to merge 01/17/2008

with: The Laredo National Bank, Laredo, Texas: 

State National Bank, Fort Worth, Texas: and 

Texas State Bank, McAllen, Texas.

COMPASS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 01/04/2008

establish branches located at: 2872 West Main 

Street, Dothan, Alabama, to be known as the 

Dothan-West Main Branch; and 1908 29th 

Avenue South, Homewood, Alabama, to be 

known as the Homewood 29th Avenue Branch.

COMPASS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Orion Bank, Naples, Florida, to establish a 01/04/2008

branch located at 1180 North Federal Highway, 

Boca Raton, Florida.

ORION BANK

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

Federal Reserve Bank of Atlanta

Filings received during the week ending December 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 12/28/2007

establish branches located at: Wentzville 

Parkway at I-70, Wentzville, Missouri, to be 

known as the Wentzville Branch; Ben Hill 

Parkway at Gulf Coast Town Center, Ft. Myers, 

Florida, to be known as the Gulf Coast Branch; 

Richardson Road and Richard Crossing in the 

Richardson Crossing Development (3589 St. 

John's Church Road), Arnold, Missouri, known 

as the Arnold MO Branch; Highway K and 

Waterbury Falls Road, O'Fallon, Missouri, to be 

known as the O'Fallon Waterbury Branch; 100 

Congress Avenue, Austin, Texas, to be known 

as the Congress - Austin; Hardin Valley Road at 

Pellissippi Highway, Knoxville, Tennessee, to 

be known as the Hardin Valley Road Branch; 

8115 Camp Creek Boulevard, Olive Branch, 

Mississippi, to be known as the Olive Branch 

Camp Creek Branch; Pine Island Road (SR78) 

and SW 14th Avenue, Cape Coral, Florida, to be 

known as the Cape Crossing Branch; Highway 

280 and Airport Road, Alexander City, Alabama, 

to be known as the Alexander City Branch; 

Highway 31 and Alabama Highway Department 

Road/CR 304, Calera, Alabama, to be known as 

the Calera Branch; 3000 S. Sixth Street, 

Springfield, Illinois, known as the 6th Street 

Branch; Highway 143 and Lincoln Lane, 

HIghland, Illinois, to be known as the Highland 

Branch; and 730 N Tyndall Parkway, Panama 

City, Florida, to be known as the Callaway 

Branch.

REGIONS BANK

Newspaper:

Federal Register:

* 3A3 Not available

01/04/2008

Summerville/Trion Bancshares, Inc., 

Summerville, Georgia, to acquire 100 percent of 

the outstanding shares of Dunnellon State 

Bank, Dunnellon, Florida.

SUMMERVILLE/TRION 

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 01/04/2008

the following branches: 17100 Ben Hill Griffin 

Parkway, Fort Myers, Florida, to be known as 

the Gulf Coast Town Center Office; and 16720 

SW 88th Street, Miami, Florida, to be known as 

the Forest Lake Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 01/05/2008

the following branches: 10000 Southpoint 

Parkway, Fredericksburg, Virginia, to be known 

as the Southpoint Office; and 7300 W McNab 

Road, North Lauderdale, Florida, to be known as 

the North Lauderdale Wal-Mart Office.

SUNTRUST BANK

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

Federal Reserve Bank of Atlanta

Filings received during the week ending December 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

01/15/2007

SunTrust Banks, Inc., Atlanta, Georgia, to merge 

with GB&T Bancshares, Inc., Gainesville, 

Georgia, and thereby acquire its subsidiaries, 

Gainesville Bank & Trust, Gainesville, Georgia; 

Mountain State Bank, Dawsonville, Georgia; 

First National Bank of Gwinnett, Duluth, 

Georgia; First National Bank of the South, 

Milledgeville, Georgia; Home Town Bank of 

Villa Rica, Villa Rica, Georgia; Community Trust 

Bank, Hiram, Georgia; and United Bank & Trust 

Company, Rockmart, Georgia.

SUNTRUST BANKS, 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 December 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Black River BancVenture, Inc., Memphis, 

Tennessee, to acquire 9.90 percent of the voting 

shares of Cornerstone Bank, Moorestown, New 

Jersey.

BLACK RIVER BANCVENTURE, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

01/07/2008

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VII, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Colonia Bank (in organization), 

Phoenix, Arizona.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3 Not available

01/07/2008

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VII, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Reidsville Community Bank (in 

organization), Reidsville, North Carolina.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3 Not available

01/07/2008

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VII, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Pisgah Community Bank (in 

organization), Asheville, North Carolina.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 01/18/2008

Capitol Bancorp Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VII, 

Lansing, Michigan to acquire 51 percent of the 

voting shares of Mountain View Bank of 

Commerce (in organization), Westminster, 

Colorado, and by Capitol Bancorp Colorado Ltd. 

III, Lansing, Michigan to become a bank 

holding company by acquiring 51 percent of the 

voting shares of Mountain View Bank of 

Commerce (in organization), Westminster, 

Colorado.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 Not available

01/11/2008

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 24.9 percent of the voting shares of PFF 

Bancorp, Inc., Rancho Cucamonga, California, 

and thereby indirectly acquire PFF Bank and 

Trust, Pomona, California.

FBOP CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Patricia L. Pierce, Menasha, 

Wisconsin, to retain control of First Menasha 

Bancshares, Inc., Neenah, Wisconsin, and 

thereby indirectly retain control of First National 

Bank-Fox Valley, Neenah, Wisconsin.

FIRST MENASHA 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

01/18/2008

Kerndt Bank Services, Inc., Lansing, Iowa, to 

acquire 100 percent of Family Merchants 

Bancorporation, Inc., Cedar Rapids, Iowa, and 

thereby indirectly acquire Family Merchants 

Bank, Cedar Rapids, Iowa.

KERNDT BANK SERVICES, INC.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Reg. K - The Shorebank Corporation, Chicago, 

Illinois, and its subsidiary, ShoreCap 

International, Ltd., Chicago, Illinois, provide 30 

days' notice to make an overseas investment in 

MIC Microfinance Bank, Lagos, Nigeria.

SHOREBANK CORPORATION, 

THE

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

Federal Reserve Bank of Chicago

Filings received during the week ending December 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Warren Bank, Warren, Michigan, to establish a 01/14/2008

branch to be located at 55055 Shelby Road, 

Shelby Township, Macomb County, Michigan.

WARREN BANK

* 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 December 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 01/08/2008

01/17/2008

Notice by Nancy C. Wilson, Memphis, 

Tennessee, individually, and as a member of a 

control group acting in concert, to gain control 

of Merchants & Planters Bancshares, Inc., 

Toone, Tennessee. The control group consists 

of Nancy C. Wilson, the Paul Nelms Family 

Trust, Nancy Wilson as trustee, Jessica Wilson, 

Stephanie Macintosh Shy, all of Memphis, 

Tennessee; Charles D. Newell, Jr., Germantown, 

Tennessee; Michael B. Baird, Cordova, 

Tennessee; Jon A. Reeves, Olive Branch, 

Mississippi; and Peter T. Hodo, West Point, 

Mississippi; Johnny Ponder, Collierville, 

Tennessee.

MERCHANTS & PLANTERS 

BANCSHARES, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 December 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

01/28/2008

Frandsen Financial Corporation, Arden Hills, 

Minnesota, to acquire 100% of The First 

National Bank of Montgomery, Montgomery, 

Minnesota.

FRANDSEN FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

Not available

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 December 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Terri Farley, Kansas City, Missouri, 

and David B. Sexton, Parkville, Missouri, as 

co-trustees of the James W. Farley, Jr. Credit 

Shelter Trust, to acquire control of KLT 

Bancshares, Inc., Farley, Missouri, parent of 

Farley State Bank, Parkville, Missouri, through 

the acquisition of voting shares.

KLT BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by John E. Eisemann, IV, Trinidad, 

Colorado, to retain control of Republic Trinidad 

Corporation, Houston, Texas, parent of First 

National Bank in Trinidad, Trinidad, Colorado, 

through the acquisition of voting shares.

REPUBLIC TRINIDAD 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

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.

* 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 December 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Commerce Financial Corporation, Corpus 

Christi, Texas, to become a bank holding 

company by acquiring 100 percent of Security 

State Bancshares, Inc., Stockdale, Texas, and 

indirectly acquire Security State Bank, 

Stockdale, Texas.

COMMERCE FINANCIAL 

CORPORATION

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 December 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 01/09/2008

01/18/2007

Notice by Palomar QFP, LP, to acquire 100 

percent of Palomar Enterprises, LLC, and 

thereby indirectly control Farmers & Merchants 

Bank of Long Beach, all of Long Beach, 

California.

PALOMAR ENTERPRISES, LLC

Newspaper:

Federal Register:

CIC Not available

01/17/2008

Notice by Patricia Childress, Visalia, California, 

and Carol Bates, Porterville, California, to 

increase their holdings to 11.29 percent of Sierra 

Bancorp and thereby indirectly control its 

subsidiary, Bank of the Sierra, both of Poterville, 

California.

SIERRA BANCORP

* 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