Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 48 

Week Ending December 1, 2007

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

First Citizens Banc Corp, Sandusky, Ohio -- to acquire Futura Banc Corporation, 

Urbana, and its subsidiary, Champaign National Bank; and for First Citizens' 

subsidiary, The Citizens Banking Company, Sandusky, to merge with Champaign 

National Bank, Urbana.

- Approved, November 30, 2007

Forms

Forms -- final Board review to extend without revision the reports that include the 

Compensation and Salary Surveys (FR 29a,b).

- Approved, November 26, 2007

Personnel

Division of Information Technology -- appointment of Geary L. Cunningham and 

Sharon L. Mowry as Deputy Directors, Wayne A. Edmondson as Associate Director, 

and Kofi A. Sapong and Lisa M. Bell as Assistant Directors.

- Approved, October 24, 2007

(A/C)

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

Michael J. Stan as Assistant Director, effective January 7, 2008.

- Approved, November 28, 2007

Regulations And Policies

Regulation V (Fair Credit Reporting Act) -- publication for comment of interagency 

amendments to the Fair and Accurate Credit Transactions Act to require entities that 

furnish information to consumer reporting agencies to establish policies and 

procedures to ensure the accuracy and integrity of the information, and to investigate 

disputes by consumers about the accuracy of information contained in consumer 

reports.

- Approved, November 7, 2007

(A/C)

H.2 Board Actions November 25, 2007 to December 1, 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

November 25, 2007 to December 1, 2007

Bank Branches, Domestic

Bank of the Commonwealth, Norfolk, Virginia -- to establish a branch at 3732 North 

Croatan Highway, Kitty Hawk, North Carolina.

Richmond

- Approved, November 29, 2007

Colonial Virginia Bank, Gloucester, Virginia -- to establish a branch at Maidstone, 

New Kent Courthouse Village, New Kent.

Richmond

- Approved, November 29, 2007

First Bank & Trust, Evanston, Illinois -- to establish a branch at 4001 Dempster 

Street, Skokie.

Chicago

- Approved, November 26, 2007

Johnson Bank, Racine, Wisconsin -- to establish a branch at 310 Southeast 4th Street, 

Fort Atkinson.

Chicago

- Approved, November 27, 2007

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

branch at 80 West, Plaza II, Saddle Brook, New Jersey.

Secretary

- Approved, November 28, 2007

(A/C) = Addition or Correction Delegated - 1 of 6
Bank Branches, Domestic

PlainsCapital Bank, Lubbock, Texas -- to establish a branch at 2900 Olive Street, 

Dallas.

Dallas

- Approved, November 26, 2007

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 3521 North Elm Street, 

Greensboro, North Carolina.

Secretary

- Approved, November 27, 2007

SunTrust Bank, Atlanta, Georgia -- to establish branches at 500 North Miramar 

Avenue, Indialantic, Florida, and 11104 Bloomingdale Avenue, Riverview.

Secretary

- Approved, November 27, 2007

Susquehanna Bank, Hagerstown, Maryland -- to establish a branch at 4725 Dorsey 

Hall Drive, Columbia.

Richmond

- Approved, November 27, 2007

Susquehanna Bank, Hagerstown, Maryland -- to establish a branch at the intersection 

of Route 43 and Interstate 95, White Marsh.

Richmond

- Approved, November 27, 2007

H.2 Actions under delegated authority November 25, 2007 to December 1, 2007

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

Belvedere Capital Partners II LLC and Belvedere Capital Fund II L.P., San 

Francisco, California -- modification of a commitment.

Director, BS&R

- Granted, November 28, 2007

BOV Holding Company, Versailles, Missouri -- to become a bank holding company 

and to acquire shares of Bank of Versailles.

Kansas City

- Approved, November 27, 2007

BTC Financial Corporation, Des Moines, Iowa -- for its subsidiary, Midamerica 

Financial Corporation, to acquire shares of Bankers Trust Company, NA, Phoenix, 

Arizona (in organization).

Chicago

- Approved, November 26, 2007

Castle Creek Capital Partners III LP, Rancho Santa Fe, California; Castle Creek 

Capital III LLC, Eggemeyer Capital LLC, Ruh Capital LLC, and Legions IV 

Advisory Corp. -- to increase their ownership in Atlanta Bancorporation, Atlanta, 

Georgia, and its subsidiary, Bank of Atlanta FSB, and thereby indirectly operate a 

savings association.

San Francisco

- Approved, November 26, 2007

First Security, Inc., Owensboro, Kentucky -- waiver of application requirement in 

connection with the acquisition of Warrick Loan and Savings Association, Boonville, 

Indiana, and its simultaneous merger with First Security Bank of Owensboro, Inc., 

Owensboro, Kentucky.

St. Louis

- Granted, November 30, 2007

H.2 Actions under delegated authority November 25, 2007 to December 1, 2007

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

Florida Commerce Bancorp, Inc., Fort Myers, Florida -- to become a bank holding 

company and to acquire Commerce Bank of Southwest Florida.

Atlanta

- Approved, November 30, 2007

Illinois National Bancorp, Inc., Springfield, Illinois -- to acquire First National Bank 

of Mount Pulaski, Mount Pulaski.

Chicago

- Approved, November 30, 2007

Longview Capital Corporation, Newman, Illinois -- to merge with BGC Bancorp, 

Inc., Gibson City, and thereby acquire Bank of Gibson City.

Chicago

- Approved, November 30, 2007

NEB Corporation, Fond du Lac, Wisconsin -- to acquire shares of First Menasha 

Bancshares, Inc., Neenah, and thereby acquire First National Bank-Fox Valley.

Chicago

- Approved, November 26, 2007

Societe General, Paris, France -- to engage de novo in certain nonbanking activities 

through the acquisition of Societe General, FSB, New York, New York.

New York

- Withdrawn, November 26, 2007

H.2 Actions under delegated authority November 25, 2007 to December 1, 2007

(A/C) = Addition or Correction Delegated - 4 of 6
Bank Holding Companies

Touchstone Bancshares, Inc., Norcross, Georgia -- to become a bank holding 

company and to acquire Touchstone National Bank, Duluth (in organization).

Atlanta

- Approved, November 26, 2007

Bank Premises

The Metamora State Bank, Metamora, Ohio -- to retain current investment in bank 

premises.

Cleveland

- Approved, November 29, 2007

Change In Bank Control

ACME Holding Company, Inc. Employee Stock Ownership Plan, Mulberry, 

Arkansas -- change in bank control.

St. Louis

- Permitted, November 27, 2007

Central Bancshares, Inc., Muscatine, Iowa -- change in bank control.

Chicago

- Permitted, November 30, 2007

First Lindsay Corporation, Lindsay, Oklahoma -- change in bank control.

Kansas City

- Permitted, November 30, 2007

H.2 Actions under delegated authority November 25, 2007 to December 1, 2007

(A/C) = Addition or Correction Delegated - 5 of 6
Change In Bank Control

Tonganoxie Bankshares, Inc., Tonganoxie, Kansas -- change in bank control notices.

Kansas City

- Permitted, November 27, 2007

Extensions Of Time

FBC Bancorp, Inc., Orlando, Florida -- extension to February 29, 2008, to acquire 

Prime Bank, Melbourne.

Atlanta

- Granted, November 26, 2007

Financial Holding Companies 

1st United Bancorp, Inc., Boca Raton, Florida -- election to become a financial 

holding company.

Secretary

- Effective, November 30, 2007

Membership

City Bank New Mexico, Ruidoso, New Mexico -- to become a member of the 

Federal Reserve System.

Dallas

- Withdrawn, November 28, 2007

City Bank, Lubbock, Texas -- to become a member of the Federal Reserve System.

Dallas

- Withdrawn, November 28, 2007

H.2 Actions under delegated authority November 25, 2007 to December 1, 2007

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

Federal Reserve Bank of Boston

Filings received during the week ending December 1, 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 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco Espirito Santo de Investimento, S.A., 

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:

* 3A3 12/10/2007

12/10/2007

BNP Paribas, Paris, France, to acquire up to 9.9 

percent of the voting shares of Shinhan 

Financial Group Co., Ltd., Seoul, Korea

BNP PARIBAS

Newspaper:

Federal Register:

4c8 Not applicable

12/19/2007

Canandaigua National Corporation, 

Canandaigua, New York to acquire all of the 

outstanding stock of Genesee Valley Trust 

Company, Pittsford, New York

CANANDAIGUA NATIONAL 

CORPORATION

Newspaper:

Federal Register:

CIC 12/05/2007

12/17/2007

Notice of Change in Bank Control, pursuant to 

the Change in Bank Control Act of 1978, as 

amended, by Lawrence B. Seidman, Seidman 

and Associates, LLC, Seidman Investment 

Partnership, LP, Seidman Investment 

Partnership II, LP, Broad Park Investors, LLC, 

Chewy Gooey Cookies, LP, Berggruen Holdings 

North America Ltd., Dennis Pollack, Harold 

Schechter, Raymond Vanaria and LSBK 06-08, 

LLC(collectivelly, Applicants"), to acquire up to 

24.83% of Center Bancorp, Inc. Union, New 

Jersey.

CENTER BANCORP, INC.

Newspaper:

Federal Register:

* 4c8 Not available

12/20/2007

Investors Bancorp, MHC and Investors 

Bancorp, Inc., both of Short Hills, New Jersey to 

acquire Summit Federal Bankshares, MHC, and 

its wholly-owned subsidiary, Summit Federal 

Bankshares, Inc., and its indirect wholly-owned 

subsidiary, Summit Federal Savings Bank, all of 

Summit, New Jersey.

INVESTORS BANCORP, MHC

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 Not available

Toronto-Dominion Bank, Toronto, Canada, and 

its subsidiaries TD US P&C Holdings ULC, 

Calgary, Canada, Cardinal Top Co. and Cardinal 

Intermediate Co., both of New York, New York, 

to acquire 100% of the voting shares of 

Commerce Bancorp, Inc. ("Commerce 

Bancorp"), Cherry Hill, New Jersey, and 

indirectly acquire control of Commerce Bank, 

NA, Philadelphia, Pennsylvania and Commerce 

Bank/North, Ramsey, New Jersey, and to 

acquire Commerce Bancorp's 14.82% interest in 

Pennsylvania Commerce Bancorp, Inc., which 

controls Commerce Bank/Harrisburg, N.A., both 

of Harrisburg, Pennsylvania, pursuant to 

Sections 3(a)(3) and 3(a)(1) of the Bank Holding 

Company Act of 1956, as amended (the 

"BHCA").

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 December 1, 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 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

The North Side Bank and Trust Company, 

Cincinnati, OH to establish a branch at West 

Road and Harrison Avenue, Harrison, OH.

NORTH SIDE BANK AND TRUST 

COMPANY, THE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

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

Carolina, to increase its investment in BoA 

Netherlands Cooperative U.A., Amsterdam, The 

Netherlands, through two edge corporation 

subsidiaries, Bank of America Overseas 

Corporation and BankAmerica International 

Finance Corporation.

BANK OF AMERICA, 

NATIONAL ASSOCIATION

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

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

Carolina, requests relief from the rolling 

12-month aggregate limits with respect to 

investments in BoA Netherlands Cooperative 

U.A., Amsterdam, The Netherlands.

BANK OF AMERICA, 

NATIONAL ASSOCIATION

Newspaper:

Federal Register:

Member

* Branch Not applicable

Frontier Community Bank (in organization), 12/04/2007

Waynesboro, Virginia, to become a member of 

the Federal Reserve System.

FRONTIER COMMUNITY BANK

Newspaper:

Federal Register:

* 3A3 Not available

12/28/2007

RBC Centura Banks, Inc., Raleigh, North 

Carolina, and its parent companies, Royal Bank 

of Canada, Montreal, Canada; Royal Bank 

Holding Inc., Toronto, Canada; RBC Holding 

(USA) Inc., New York, New York; RBC USA 

Holdco Corporation, New York, New York; 

Prism Financial Corporation, Wilmington, 

Delaware, to acquire 100% of the voting shares 

of Alabama National BanCorporation, 

Birmingham, Alabama, and thereby indirectly 

acquire Alabama Exchange Bank, Tuskegee, 

Alabama; Community Bank of Naples, National 

Association, Naples, Florida; Cypress Conquina 

Bank, Ormond Beach, Florida; First American 

Bank, Birmingham, Alabama; First Gulf Bank, 

National Association, Pensacola, Florida; 

Florida Choice Bank, Mount Dora, Florida; 

Georgia State Bank, Mableton, Georgia; Indian 

River National Bank, Vero Beach, Florida; 

Millennium Bank, Gainsville, Florida; and The 

Peachtree Bank, Duluth, Georgia.

RBC CENTURA BANKS, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Select Bancorp, Inc., Greenville, North Carolina, 

to become a bank holding company by 

acquiring 100% of Select Bank & Trust 

Company, Greenville, North Carolina.

SELECT BANCORP, INC.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Wachovia Bank, National Association, 

Charlotte, North Carolina, to make an 

investment through its Agreement corporation, 

Wachovia Asia Holding Corporation, Charlotte, 

North Carolina (formerly known as SouthTrust 

International, Inc.), in Wachovia Management 

Services Private Limited, Mumbai, India.

SOUTHTRUST 

INTERNATIONAL, INC.

* 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 1, 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 12/20/2007

12/26/2007

Metropolitan BancGroup, Inc., Ridgeland, 

Mississippi, to become a bank holding company 

by acquiring 100 percent of the outstanding 

shares of BancSouth Financial Corporation, and 

thereby acquire its subsidiary, Bank of the 

South, both of Crystal Springs, Mississippi.

METROPOLITAN BANCGROUP, 

INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Pyramid Financial Corporation, notice to 

become a bank holding company by acquiring 

100 percent of the outstanding shares of Bank 

of Anguilla, both of Anguilla, Mississippi.

PYRAMID FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 12/21/2007

12/28/2007

Satilla Bankcorp, Inc., to become a bank holding 

company by acquiring 100 percent of the 

outstanding shares of Satilla Community Bank, 

both of St. Marys, Georgia.

SATILLA BANKCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

SEB Bancorp, Inc., to become a bank holding 

company by acquiring 100 percent of the 

outstanding shares of Security Exchange Bank, 

both of Marietta, Georgia.

SEB Bancorp, 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 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

1st Source Bank, South Bend, Indiana, to merge 

with First National Bank of Valparaiso, 

Valparaiso, Indiana, and thereby to establish 17 

branches.

1ST SOURCE BANK

Newspaper:

Federal Register:

* 3A1

Not available

Black River BancVenture, Inc., Memphis, 12/20/2007

Tennessee, to become a bank holding company 

by acquiring 49.9 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:

* 3A1

Not available

Black River BancVenture, Inc., Memphis, 12/19/2007

Tennessee, to become a bank holding company 

by acquiring 49.9 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:

* 3A1

Not available

Black River BancVenture, Inc., Memphis, 12/26/2007

Tennessee, to become a bank holding company 

by acquiring 49.9 percent of the voting shares 

of Allegiance Bank of North America, Inc., Bala 

Cynwyd, Pennsylvania.

BLACK RIVER BANCVENTURE, 

INC.

Newspaper:

Federal Register:

4c8 Not applicable

12/17/2007

Bridgeview Bancorp, Inc., Bridgeview, Illinois, 

to retain the nonbanking activity of extending 

credit and servicing loans.

BRIDGEVIEW BANCORP, INC.

Newspaper:

Federal Register:

* 4c8 11/24/2007

11/26/2007

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited V, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Adams Dairy Bank (in 

organization), Blue Springs, Missouri, and 

thereby operate a savings association.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 

Wisconsin, to merge with First Indiana Bank, 

National Association, Indianapolis, Indiana, and 

thereby to establish 32 branches.

M&I MARSHALL & ILSLEY 

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

 744238 FARMERS & MECHANICS BK, GALESBURG, ILLINOIS 07/30/2007 11/26/2007 S Small Bank

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 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 12/21/2007

12/27/2007

Farmers & Merchants Bankshares, Inc., 

Stuttgart, Arkansas, to acquire 100 percent of 

Perry County Bancshares, Inc., Perryville, 

Arkansas, and thereby indirectly acquire Chart 

Bank, Perryville, Arkansas.

FARMERS AND MERCHANTS 

BANKSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, St. Louis, Missouri, to establish a 12/14/2007

branch facility to be located at 700 W. North 

Avenue, Elmhurst, Illinois.

FIRST BANK

Newspaper:

Federal Register:

* 3A1 12/10/2007

12/11/2007

Russellville Bancorp, Inc., Russellville, 

Missouri, to become a bank holding company 

by acquiring 100 percent of Community Bank of 

Russellville, Russellville, Missouri.

RUSSELLVILLE BANCORP, 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 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

12/28/2007

Highland Bancshares, Saint Michael, 

Minnesota, to acquire 100 percent of Ridgedale 

State Bank, Minnetonka, Minnesota.

HIGHLAND BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 12/17/2007

12/20/2007

Klein Financial, Inc., Chaska, Minnesota, to 

acquire First Community Bank, Savage, 

Minnesota.

KLEIN FINANCIAL, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Mills Financial Services, Inc., Brainerd, 

Minnesota, to become a bank holding company 

by acquiring 100 percent of First Security Bank - 

Sanborn, Sanborn, Minnesota.

MILLS FINANCIAL SERVICES 

INC.

* 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 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 12/13/2007

11/21/2007

Notice filed by the 2007 Voting Trust 

Agreement, and its trustees, Albert Charles 

Kelly, Jr. and Peter John Kelly, both of Bristow, 

Oklahoma; Shawn Trevor Kelly, Edmond, 

Oklahoma; Paul Harrison Cornell, Tulsa, 

Oklahoma; and Allison Asbury Kelly, Okemah, 

Oklahoma, all to acquire control of Citizens 

Bankshares, Inc., Okemah, Oklahoma, parent of 

Citizens State Bank, Okemah, Oklahoma.

CITIZENS BANKSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

12/14/2007

Notice by Jose L. Evans and Denise K. Evans, 

both of Kansas City, Missouri, (acting jointly) 

and David L. Johnson and Sandra L. Castetter, 

both of Kansas City, Missouri, (acting jointly), 

and together acting in concert, to acquire 

control of First Missouri Bancshares, Inc., 

parent of First Missouri National Bank, both in 

Brookfield, Missouri, through the acquisition of 

voting shares.

FIRST MISSOURI BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A1

4c8

12/26/2007

12/17/2007

Harker Investments, LLLP, Denver, Colorado, to 

become a bank holding company and to engage 

in selling credit life insurance through the 

acquisition of 100 percent of the voting shares 

of The Kit Carson Insurance Agency, Inc., 

parent of Kit Carson State Bank, both in Kit 

Carson, Colorado.

HARKER INVESTMENTS, LLLP

Newspaper:

Federal Register:

* 3A1 Not available

Not available

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

12/14/2007

Notice by Max T. Wake, Lincoln, Nebraska and 

Elizabeth B. Wake, San Francisco, California, to 

acquire control of Jones National Corporation, 

parent of The Jones National Bank & Trust 

Company of Seward, both in Seward, Nebraska, 

through the acquisition of voting shares.

JONES NATIONAL 

CORPORATION

* 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

 862057 BANK OF CMRC, CHANUTE, KANSAS 08/27/2007 11/22/2007 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending December 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Dallas, Texas, to establish a 12/13/2007

branch to be located at 525 N. Brand Blvd., 

Glendale, California 91203.

COMERICA BANK

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

FNB Holding Company, Fort Stockton, Texas, to 

become a bank holding company by acquiring 

100 percent of First National Bank of Fort 

Stockton, Fort Stockton,Texas.

FNB HOLDING COMPANY

Newspaper:

Federal Register:

CIC 12/12/2007

12/10/2007

Notice by Mr. Christopher T. Moser, San 

Antonio, Texas, and FFP Investments, Ltd., (its 

general partner, WAFCO, Inc., and Mr. William 

A. Freed, principal, all of San Antonio, Texas), 

collectively as a group acting in concert, to 

acquire up to 17.79 percent of Medina 

Community Bancshares, Inc., Hondo, Texas, 

and indirectly acquire Community National 

Bank, Hondo, Texas.

MEDINA COMMUNITY 

BANCSHARES, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending December 1, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

American Security Bank, Santa Ana, California, 12/03/2007

to establish a branch office at 1401 Dove Street, 

Newport Beach, California.

AMERICAN SECURITY BANK

Newspaper:

Federal Register:

* 3A3 Waived

12/26/2007

Franklin Resources, Inc., San Mateo, California, 

to retain 5.15 percent of Commerce Bancorp, 

Inc., Cherry Hill, New Jersey, and thereby 

indirectly retain voting shares of Commerce 

Bank, National Association, Philadelphia, 

Pennsylvania.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

4c8 Not applicable

12/17/2007

Mitsubishi UFJ Financial Group, Inc., Tokyo, 

Japan, to indirectly acquire up to 30 percent of 

Diamond Lease (U.S.A.), Inc., New York, New 

York, and to thereby indirectly engage in the 

leasing of personal or real property, pursuant to 

section 225.28(b)(3) of Regulation Y.

MITSUBISHI UFJ FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

* 18C

Not applicable

Nara Bank, Los Angeles, California, to purchase 11/19/2007

the assets and assume the liabilities of the Brick, 

New Jersey, branch of The Provident Bank, 

Jersey City, New Jersey.

NARA BANK

Newspaper:

Federal Register:

4c8 Not applicable

12/17/2007

NHB Holdings, Inc., and Proficio Mortgage 

Ventures, LLC, both of Jacksonville, Florida, to 

engage de novo in a joint venture with NRI 

Mortgage Solutions, Buffalo Grove, Illinois, 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:

FBSEA

Not applicable

The Shizuoka Bank, Ltd., Shizuoka, Japan, to 12/31/2007

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:

* 3A1 Not available

12/20/2007

State Bancorp Northwest to become a bank 

holding company by acquiring 100 percent of 

State Bank Northwest, both of Spokane Valley, 

Washington.

STATE BANCORP NORTHWEST

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Wells Fargo & Company, through a new 

subsidiary of WFC Holdings Corporation, both 

of San Francisco, California, request for 

approval to purchase and sell electricity in the 

spot market and take and make delivery of 

electricity to settle commodity derivatives.

WELLS FARGO & COMPANY

* 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