Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 2 

Week Ending January 12, 2008

Board of Governors of the Federal Reserve System, Washington, DC 20551
Enforcement

Southern Bank of Commerce, Paragould, Arkansas -- written agreement with the 

Federal Reserve Bank of St. Louis and the Arkansas State Bank Department.

- Announced, January 8, 2008

H.2 Board Actions January 6, 2008 to January 12, 2008

(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

January 6, 2008 to January 12, 2008

Bank Branches, Domestic

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at Kelly Highway and 

Interstate 540, Fort Smith.

St. Louis

- Approved, January 9, 2008

First Financial Bank, El Dorado, Arkansas -- to establish a branch at 2300 East Main 

Street.

St. Louis

- Approved, January 8, 2008

Five Star Bank, Warsaw, New York -- to establish branches at 2833 Ridge Road 

West, Rochester, and 745 Calkins Road.

New York

- Approved, January 10, 2008

Orion Bank, Naples, Florida -- to establish a branch at 1180 North Federal Highway, 

Boca Raton.

Atlanta

- Approved, January 10, 2008

Presidio Bank, San Francisco, California -- to establish a branch at 999 Fifth Avenue, 

Suite 300, San Rafael.

San Francisco

- Approved, January 8, 2008

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

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 10000 Southpoint 

Parkway, Fredericksburg, Virginia.

Secretary

- Approved, January 10, 2008

SunTrust Bank, Atlanta, Georgia -- to establish branches at 7300 West McNab Road, 

North Lauderdale, Florida; 17100 Ben Hill Griffin Parkway, Fort Myers; and 16720 

Southwest 88th Street, Miami.

Secretary

- Approved, January 10, 2008

Virginia Commerce Bank, Arlington, Virginia -- to establish a branch at 1304 Central 

Park Boulevard, Fredericksburg.

Richmond

- Approved, January 11, 2008

Bank Holding Companies

AMG National Corp., Englewood, Colorado -- to become a bank holding company 

and to acquire AMG National Trust Bank, upon its conversion from a trust company 

to a commercial bank.

Kansas City

- Approved, January 10, 2008

The Bank of New York Mellon Corporation, New York, New York -- waiver of 

application to effect an internal corporate reorganization in connection with the 

acquisition and merger of The Bank of New York Company, Inc. and Mellon 

Financial Corporation.

New York

- Granted, January 11, 2008

H.2 Actions under delegated authority January 6, 2008 to January 12, 2008

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

CSB Financial Corporation, Miles, Texas -- to become a bank holding company and 

to acquire Citizens State Bank.

Dallas

- Approved, January 10, 2008

Lauritzen Corporation, Omaha, Nebraska, and First National of Nebraska, Inc. -- to 

acquire Mills County Bancorp, Glenwood, Iowa.

Kansas City

- Withdrawn, January 9, 2008

Morning Sun Bank Corp., Morning Sun, Iowa -- to engage in insurance agency 

activities by establishing ISB Insurance Group, LLC, and to acquire Earnest 

Insurance Agency.

Chicago

- Approved, January 11, 2008

RiverBank Holding Company, Spokane, Washington -- to become a bank holding 

company and to acquire RiverBank.

San Francisco

- Approved, January 7, 2008

SEB Bancorp, Inc., Marietta, Georgia -- to become a bank holding company and to 

acquire Security Exchange Bank.

Atlanta

- Approved, January 9, 2008

H.2 Actions under delegated authority January 6, 2008 to January 12, 2008

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

Summerville/Trion Bancshares, Inc., Summerville, Georgia -- to acquire Dunnellon 

State Bank, Dunnellon, Florida.

Atlanta

- Approved, January 11, 2008

Waupaca Bancorporation, Inc., Waupaca, Wisconsin -- waiver of application to 

acquire Clintonville Bancshares, Inc., Clintonville, in connection with the merger of 

their subsidiaries, First National Bank, Waupaca, and Dairymans' State Bank, 

Clintonville.

Chicago

- Granted, January 11, 2008

Bank Premises

Benchmark Community Bank, Kenbridge, Virginia -- to increase its investment in 

bank premises.

Richmond

- Approved, January 8, 2008

Banks, State Member

Chemung Canal Trust Company, Elmira, New York -- to purchase loans and other 

assets, and assume the deposit liabilities of three branches of Manufacturers and 

Traders Trust Company, Buffalo.

New York

- Withdrawn, January 7, 2008

H.2 Actions under delegated authority January 6, 2008 to January 12, 2008

(A/C) = Addition or Correction Delegated - 4 of 5
Change In Bank Control

Mackey Banco, Inc., Ansley, Nebraska -- change in bank control of Banco and its 

subsidiary, Security State Bank.

Kansas City

- Withdrawn, January 7, 2008

Private Bancorporation, Inc., Minneapolis, Minnesota -- to retain control of Private 

Bancorporation, Inc. and Private Bank Minnesota.

Minneapolis

- Permitted, January 7, 2008

Extensions Of Time

Minier Financial, Inc. Employee Stock Ownership Plan, Minier, Illinois -- extension 

to April 11, 2008, to increase its ownership of Minier Financial, Inc., and thereby 

increase its indirect ownership of First Farmers State Bank.

Chicago

- Granted, January 10, 2008

Financial Holding Companies 

First Valley National Corp., Clarksdale, Mississippi -- election to become a financial 

holding company.

St. Louis

- Effective, January 10, 2008

H.2 Actions under delegated authority January 6, 2008 to January 12, 2008

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

Federal Reserve Bank of Boston

Filings received during the week ending January 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 1

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 2

Federal Reserve Bank of New York

Filings received during the week ending January 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 3A1

* 3A5

01/05/2008

02/08/2008

The Toronto-Dominion Bank,Toronto, Canada, 

and its subsidiaries: TD US P&C Holdings ULC, 

Calgary, Canada; TD Banknorth, Inc., Portland, 

Maine; Cardinal Top Co., Cardinal Intermediate 

Co., and Cardinal Merger Co., all of New York, 

New York; to acquire 100 percent of the voting 

shares of Commerce Bancorp, Inc., Cherry Hill, 

New Jersey, and thereby indirectly acquire 

voting shares of Commerce Bank, NA, 

Philadelphia, Pennsylvania, and Commerce 

Bank/North, Ramsey, New Jersey; and 14.8 

percent of Pennsylvania Commerce Bancorp, 

Inc., and thereby indirectly acquire Commerce 

Bank/Harrisburg, N.A., both of Harrisburg, 

Pennsylvania., pursuant to Sections 3(a)(1)(3)& 

(5)of the Bank Holding Company Act of 1956, as 

amended.

TORONTO-DOMINION BANK, 

THE

* 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 January 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 3

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending January 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Cortland Savings and Banking Company, 01/03/2008

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:

* Branch

Not applicable

Fifth Third Bank, Grand Rapdis, MI to establish 01/10/2008

a branch at 121 North Barrington Road, 

Schaumburg, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapdis, MI to establish 01/10/2008

a branch at 1991 US Route 30, Montgomery, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapdis, MI to establish 01/10/2008

a branch at 4017 Lawrence Avenue, Chicago, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapdis, MI to establish 01/10/2008

a branch at 145 West North Avenue, Chicago, 

IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapdis, MI to establish 01/10/2008

a branch at 9805 Wicker Avenue, St. John, IN.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapdis, MI to establish 01/10/2008

a branch at 12 Ridge Road, Munster, IN.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapdis, MI to establish 01/10/2008

a branch at 8005 Calumet Avenue, Munster, IN.

FIFTH THIRD BANK

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 January 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8

Not available

BB&T Corporation, Winston-Salem, North 12/31/2007

Carolina, to acquire 100% of the voting 

securities of BB&T Financial, FSB, Columbus, 

Georgia.

BB&T CORPORATION

Newspaper:

Federal Register:

* Branch Not available

Not applicable

First Virginia Community Bank, Fairfax, Virginia, 

to establish a branch at 7900 Sudley Road, 

Manassas, Virginia.

FIRST VIRGINIA COMMUNITY 

BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Gateway Bank & Trust Co., Elizabeth City, 01/17/2008

North Carolina, proposes to establish a branch 

at 100 Dominion Drive, Emporia, Virginia.

GATEWAY BANK & TRUST CO.

* 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 January 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Caixa de Aforros de Vigo, Ourense e 

Pontevedra, Vigo, Spain, to establish 

international bank branches in New York, New 

York, Chicago, Illinois, Los Angeles, California, 

and Houston, Texas.

CAIXA DE AFORROS DE VIGO, 

OURENSE E PONTEVEDRA

Newspaper:

Federal Register:

CIC Not available

01/23/2008

Prior change in control notice filed by C. Steven 

Lewis, New Tazewell, Tennessee, to acquire an 

additional 13.05 percent of the outstanding 

shares of Citizens Bancorp, Inc., and its 

subsidiary, Citizens Bank, both of New 

Tazewell, Tennessee. Pro forma ownership will 

equal 28.45 percent.

CITIZENS BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First American Bank, Birmingham, Alabama, 01/25/2008

after-the-fact proposal to establish a branch 

located at 3501 Roosevelt Boulevard, 

Birmingham, Alabama.

FIRST AMERICAN BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Reliant Bank, Brentwood, Tennessee, to 01/22/2008

establish a branch located at 6005 Nolensville 

Pike, Nashville, Tennessee, to be known as the 

Lennox Branch.

RELIANT BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 01/24/2008

branches at the following locations: 7275 SW 

90th Street, Building G, Miami, Florida, to be 

known as the Dadeland Office; 15701 SW 152nd 

Street, Miami, Florida, to be known as the 

Corsica Square Office; and 4021 Lagniappe 

Way, Tallahassee, Florida, to be known as the 

Fallschase Wal-Mart Office.

SUNTRUST 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 January 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 01/21/2008

01/07/2008

Black River BancVenture, Inc., Memphis, 

Tennessee, to become a bank holding company 

by acquiring 42 percent of the voting shares of 

Michigan Community Bancorp, Ltd., Sterling 

Heights, Michigan, and thereby indirectly 

acquire Lakeside Community Bank, Sterling 

Heights, Michigan.

BLACK RIVER BANCVENTURE, 

INC.

Newspaper:

Federal Register:

* 3A3 01/21/2008

01/07/2008

Black River BancVenture, Inc., Memphis, 

Tennessee, to acquire 15 percent of the voting 

shares of Community Shores Bank Corp., 

Muskegon, Michigan, and thereby indirectly 

acquire Community Shores Bank, Muskegon, 

Michigan.

BLACK RIVER BANCVENTURE, 

INC.

Newspaper:

Federal Register:

* 3A3 01/21/2008

01/07/2008

Black River BancVenture, Inc., Memphis, 

Tennessee, to acquire 15 percent of the voting 

shares of Allegiance Bank of North America, 

Bala Cynwyd, Pennsylvania.

BLACK RIVER BANCVENTURE, 

INC.

Newspaper:

Federal Register:

* 3A3 01/21/2008

01/07/2008

Black River BancVenture, Inc., Memphis, 

Tennessee, to acquire 15 percent of the voting 

shares of Bay Commercial Bank, Walnut Creek, 

California.

BLACK RIVER BANCVENTURE, 

INC.

Newspaper:

Federal Register:

* 4c8 01/21/2008

01/07/2008

Black River BancVenture, Inc., Memphis, 

Tennessee, to acquire 6 percent of the voting 

shares of SFB Bancorp, Inc., Elizabethton, 

Tennessee, and thereby indirectly acquire 

Security Federal Bank, Elizabethton, Tennessee, 

and thereby operate a savings association.

BLACK RIVER BANCVENTURE, 

INC.

Newspaper:

Federal Register:

* 4c8 01/21/2008

01/07/2008

Black River BancVenture, Inc., Memphis, 

Tennessee, to acquire 9.9 percent of the voting 

shares of Quaint Oak Bancorp, Southampton, 

Pennsylvania, and thereby indirectly acquire 

Quaint Oak Savings Bank, Southampton, 

Pennsylvania, and thereby operate a savings 

association.

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.

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

Federal Reserve Bank of Chicago

Filings received during the week ending January 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

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:

CIC 01/16/2008

01/28/2008

Notice by The Hodgson Family (Richard M. 

Hodgson, Charlevoix, Michigan, Richard M. 

Hodgson II, Charlevoix, Michigan, Eric J. 

Hodgson, Beaver Island, Michigan, Mark E. 

Hodgson, Fox Point, Wisconsin, Elizabeth M. 

Hodgson, Charlevoix, Michigan, and Laurie L. 

Hodgson, Charlevoix, Michigan, to retain 

control of Charlevoix First Corporation, 

Charlevoix, Michigan, and thereby indirectly 

retain control of Charlevoix State Bank, 

Charlevoix, Michigan.

CHARLEVOIX FIRST 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

01/23/2008

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

02/06/2008

Luana Bancorporation, Luana, Iowa, to acquire 

100 percent of First State Bank Iowa, New 

Hampton, Iowa.

LUANA BANCORPORATION

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Morton Community Bank, Morton, Illinois, to 

become a member of the Federal Reserve 

System.

MORTON COMMUNITY BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Rolling Hills Bank & Trust, Atlantic, Iowa, to 

merge with Meta Bank West Central 

("MBWC"), Stuart, Iowa and establish branch 

offices at 615 South Division Street, Stuart, 

Iowa; 501 Sherman, Menlo, Iowa, and 101 East 

Logan, Casey, Iowa.

ROLLING HILLS BANK & TRUST

Newspaper:

Federal Register:

* 3A1 02/08/2008

02/08/2008

TG Bancshares, Inc., Table Grove, Illinois, to 

become a bank holding company by acquiring 

100 percent of the voting shares of Table Grove 

State Bank, Table Grove, Illinois.

TG 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 January 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 01/31/2008

02/01/2008

Community First Bancshares, Inc., Harrison, 

Arkansas ("Community"), to acquire additional 

shares of White River Bancshares Company, 

Fayetteville, Arkansas ("Bancshares"), and 

thereby indirectly acquire Signature Bank, 

Fayetteville, Arkansas. The acquisition will 

result in Community owning up to 24.99 percent 

of Bancshares stock.

COMMUNITY FIRST 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 02/06/2008

02/08/2008

Germantown Capital Corporation, Inc., 

Germantown, Tennessee, to become a bank 

holding company by acquiring 100 percent of 

First Capital Bank, Germantown, Tennessee.

GERMANTOWN CAPITAL 

CORPORATION, INC.

Newspaper:

Federal Register:

CIC 02/08/2008

01/30/2008

Notice by the Philip E. Bradshaw Revocable 

Trust, Griggsville, Illinois, Philip E. Bradshaw, as 

trustee, to retain 10 percent or more of the 

shares and thereby control Griggsville 

Bancshares, Inc., Griggsville, Illinois. In 

addition, this notice is filed on behalf of the 

Bradshaw Family Group as a group acting in 

concert, to retain 10 percent or more of 

Bancshares. The Bradshaw Family Group 

includes the Philip E. Bradshaw Revocable 

Trust and the Linda L. Bradshaw Revocable 

Trust, Linda L. Bradshaw, as trustee, 

Griggsville, Illinois.

GRIGGSVILLE BANCSHARES, 

INC

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Midwest BankCentre, Lemay, Missouri, to 02/09/2008

merge with The First National Bank of Mount 

Pulaski, Mount Pulaski, Illinois. In connection 

with the acquisition, Midwest BankCentre will 

establish a branch office at 6870 Rote Road, 

Rockford, Illinois.

MIDWEST BANKCENTRE

* 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 January 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

02/11/2008

BancMidwest Corporation, Saint Paul, 

Minnesota, to acquire 100 percent of Hiawatha 

Bancshares, Inc., Hager City, Wisconsin, and 

thereby indirectly acquire Hiawatha National 

Bank, Hager City, Wisconsin.

BANCMIDWEST 

CORPORATION

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First Western Bank, Wall, South Dakota, 

proposes to become a member of the Federal 

Reserve System.

FIRST WESTERN BANK

Newspaper:

Federal Register:

Member Not applicable

Not applicable

The First Western Bank Sturgis, Sturgis, South 

Dakota, proposes to become a member of the 

Federal Reserve System.

FIRST WESTERN BANK 

STURGIS, THE

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

02/01/2008

United Citizens 401(K) Savings Plan, Osseo, 

Wisconsin, to become a bank holding company 

by acquiring up to 56 percent of the Class A 

common stock of United Bancorporation, 

Osseo, Wisconsin, and thereby indirectly 

acquire United Bank, Osseo, Wisconsin; 

Cambridge State Bank, Cambridge, Wisconsin; 

Lincoln Community Bank, Merrill, Wisconsin; 

Bank of Poynette, Poynette, Wisconsin; Clark 

County State Bank, Osceola, Iowa; Farmers 

State Bank, Stickney, South Dakota; and 

Farmers & Merchants State Bank, Iroquois, 

South Dakota.

UNITED CITIZENS 401(K) 

SAVINGS PLAN

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending January 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

CoBiz Bank, Denver, Colorado, to establish a 01/23/2008

branch at 301 University Boulevard, Denver, 

Colorado.

COBIZ BANK

Newspaper:

Federal Register:

* 3A1

* 3A3

02/03/2008

02/05/2008

Young Partners, L.P., and its general partner, 

Young Corporation, and Citizens Bancshares 

Company, all of Chillicothe, Missouri, and First 

Community Bancshares, Inc., Overland Park, 

Kansas, to indirectly acquire NKC Bancshares, 

Inc., parent of Norbank, both of North Kansas 

City, Missouri; through the merger of NKC 

Bancshares, Inc. with and into FCB Acquisition 

Corp., Overland Park, Kansas, a wholly-owned 

subsidiary of First Community Bancshares, Inc. 

FCB Acquisition Corp., to become a holding 

company through the acquisition of NKC 

Bancshares, Inc.

FCB ACQUISITION CORP.

Newspaper:

Federal Register:

* 3A1 12/30/2007

02/08/2008

Heartland Bancshares, Inc., Clinton, Missouri, 

to become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Marshall Community Bancshares, Inc., parent 

of Community Bank of Marshall, both in 

Marshall, Missouri.

HEARTLAND BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

01/22/2008

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

01/22/2008

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 January 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 01/25/2008

01/28/2008

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

Newspaper:

Federal Register:

* Branch

Not applicable

LegacyTexas Bank, Plano, Texas, to establish a 01/20/2008

branch to be located at 750 W. Dallas Road, 

Grapevine, Texas 76051.

LEGACYTEXAS BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

National Bank & Trust Employee Stock 

Ownership Plan With 401(k) Provisions, La 

Grange, Texas, to become a bank holding 

company by acquiring up to 30 percent of First 

La Grange Bancshares, Inc., La Grange, Texas, 

and indirectly acquire National Bank & Trust, La 

Grange, Texas.

NATIONAL BANK & TRUST 

EMPLOYEE STOCK OWNERSHIP 

PLAN WITH 401(K) PROVISIONS

* 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

 913267 LEGACYTEXAS BK, PLANO, TEXAS 08/20/2007 01/03/2008 O Large Bank

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 January 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

American Security Bank, Santa Ana, California, 01/18/2008

to establish a branch facility at 16020 Apple 

Valley Road, Apple Valley, California.

AMERICAN SECURITY BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Community Bank of Nevada, Las Vegas, 01/25/2008

Nevada, to establish branch facilities at: 1) 

2510-2530 St. Rose Parkway, Henderson, 

Nevada; and 2) at the northeast corner of Craig 

Road and Losee Road, North Las Vegas, 

Nevada.

COMMUNITY BANK OF 

NEVADA

Newspaper:

Federal Register:

4c8 Not applicable

Not available

NHB Holdings, Inc., and Proficio Mortgage 

Ventures, LLC, both of Jacksonville, Florida, to 

engage de novo in a joint venture with 

TheMIGroup Mortgage Resources, Whippany, 

New Jersey, in conducting mortgage banking 

activities, pursuant to section 4(c)(8) of the 

Bank Holding Company Act and section 

225.28(b)(1) of Regulation Y.

NHB HOLDINGS, INC.

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

Newspaper:

Federal Register:

* 3A1 Not available

02/01/2008

Western Capital Corporation, Boise, Idaho, to 

become a bank holding company by acquiring 

100 percent of Western Capital Bank (In 

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

Bellevue, Washington, to become a bank 

holding company by indirectly acquiring, at 

least 64 percent of Western Capital Bank (In 

Organization), Boise, Idaho.

WESTERN CAPITAL 

CORPORATION

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act