Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 39 

Week Ending September 27, 2008

Board of Governors of the Federal Reserve System, Washington, DC 20551
Testimony And Statements

Economic Outlook -- statement by Chairman Bernanke before the Joint Economic 

Committee of the U.S. Congress.

- Published, September 24, 2008

U.S. Financial Markets -- statement by Chairman Bernanke before the Senate 

Committee on Banking, Housing, and Urban Affairs on September 23 and before the 

House Committee on Financial Services on September 24, 2008.

- Published, September 23, 2008

Bank Holding Companies

The Goldman Sachs Group, Inc., New York, New York, and Goldman Sachs Bank 

USA Holdings LLC -- to become bank holding companies.

- Approved, September 21, 2008

Morgan Stanley, New York, New York; Morgan Stanley Capital Management LLC; 

and Morgan Stanley Domestic Holdings, Inc. -- to become bank holding companies 

and engage in certain nonbanking activities.

- Approved, September 21, 2008

Whitney Holding Corporation, New Orleans, Louisiana -- to acquire Parish National 

Corporation, Covington, and its subsidiary bank, Parish National Bank, Bogalusa.

- Approved, September 24, 2008

Monetary and Financial Policy

Term Auction Facility -- TAF auction in the amount of $75 billion in 28-day credit 

on September 22, 2008.

- Announced, September 22, 2008

H.2 Board Actions September 21, 2008 to September 27, 2008

(A/C) = Addition or Correction Board - Page 1 of 2
Personnel

Division of Banking Supervision and Regulation -- appointments of William G. 

Spaniel as chief of staff, David S. Jones as associate director, Philip A. Aquilino as 

assistant director, Charles H. Holm as senior adviser, and Kevin Clarke as adviser.

- Approved, September 25, 2008

Enforcement

Community Bank of West Georgia, Villa Rica, Georgia -- written agreement with the 

Federal Reserve Bank of Atlanta and the Banking Commissioner of the State of 

Georgia.

- Announced, September 23, 2008

Community Banks of Northern California, Tracy, California -- written agreement 

with the Federal Reserve Bank of Kansas City and the Department of Financial 

Institutions for the State of California.

- Announced, September 23, 2008

H.2 Board Actions September 21, 2008 to September 27, 2008

(A/C) = Addition or Correction Board - Page 2 of 2
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 Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

September 21, 2008 to September 27, 2008

Bank Branches, Domestic

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

branches at 6015 Daybreak Circle, Clarksville, Maryland; 285 Delaware Avenue, 

Buffalo, New York; 50 Jericho Quadrangle, Oyster Bay, New York; and 101 West 

Third Street, Williamsport, Pennsylvania.

Secretary

- Approved, September 24, 2008

Medway Co-operative Bank, Medway, Massachusetts -- to establish a branch at

1 Hastings Street, Mendon.

Boston

- Approved, September 26, 2008

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 850 Folly Road, 

Charleston, South Carolina.

Secretary

- Approved, September 24, 2008

Bank Holding Companies

Atlantic Southern Financial Group, Inc., Macon, Georgia -- relief from a 

commitment.

Atlanta

- Granted, September 26, 2008

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

BancIndependent Incorporated, Sheffield, Alabama -- waiver of application to 

acquire Citizens Bancorp of Lawrence, Moulton, in connection with the merger of 

their respective subsidiary banks, Bank Independent, Sheffield, and The Citizens 

Bank, Moulton.

Atlanta

- Granted, September 26, 2008

Everest Bancshares, Inc., Everest, Kansas -- to acquire Gower Bancshares, Inc., 

Gower, Missouri, and its subsidiary bank, Bank of Gower.

Kansas City

- Approved, September 26, 2008

Global Bancorp, Mountain View, California -- to become a bank holding company 

and to acquire Global Trust Bank, Mountain View.

San Francisco

- Approved, September 24, 2008

Lone Star State Bancshares, Inc., Lubbock, Texas, and Lone Star State Bank of West 

Texas -- waiver of application to acquire First of Brownfield Corporation, 

Brownfield, in connection with the merger of its subsidiary bank, First Bank of 

Brownfield, Brownfield, with Lone Star State Bank of West Texas, Lubbock.

Dallas

- Granted, September 26, 2008

McCamey Financial Corporation, Odessa, Texas -- to acquire First National 

Monahans Bancshares, Inc., Monahans, and thereby indirectly acquire Monahans 

Delaware Financial Corporation, Wilmington, Delaware, and First National Bank of 

Monahans, Monahans, Texas.

Dallas

- Approved, September 23, 2008

H.2 Actions under delegated authority September 21, 2008 to September 27, 2008

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

Piedmont Bancorp, Inc., Norcross, Georgia -- to become a bank holding company 

and to acquire First Choice Community Bank 1874, Newnan.

Atlanta

- Withdrawn, September 24, 2008

SBA Bancorp, Inc., Ashland, Illinois -- to merge with First Beardstown Bancorp, 

Inc., Beardstown, and thereby indirectly acquire First State Bank of Beardstown.

Chicago

- Approved, September 26, 2008

Springfield Bancshares, Inc., Springfield, Missouri -- to become a bank holding 

company and to acquire Springfield First Community Bank (in organization), 

Springfield.

St. Louis

- Approved, September 26, 2008

Village Bank and Trust Financial Corp., Midlothian, Virginia -- waiver of application 

to acquire River City Bank, Mechanicsville, in connection with its merger with 

Village's subsidiary bank, Village Bank, Midlothian.

Richmond

- Granted, September 25, 2008

WebFive, MHC, Webster, Massachusetts, and WebFive Financial Services, Inc. -- to 

become a mutual bank holding company and a stock bank holding company, 

respectively, and to acquire Webster Five Cents Savings Bank, Webster.

Boston

- Approved, September 25, 2008

H.2 Actions under delegated authority September 21, 2008 to September 27, 2008

(A/C) = Addition or Correction Delegated - 3 of 6
Banks, Foreign

The Shizuoka Bank, Ltd., Shizuoka, Japan -- to establish a branch in New York, New 

York.

Director, BS&R

- Approved, September 23, 2008

Change In Bank Control

Community Pride Bank Corporation, Ham Lake, Minnesota -- change in bank control 

of Community and its subsidiary bank, Community Pride Bank, Isanti.

Minneapolis

- Permitted, September 22, 2008

Hometown Bancshares, Inc., Hamilton, Alabama -- change in bank control of 

Hometown and its subsidiary bank, PeoplesTrust Bank, Hamilton.

Atlanta

- Permitted, September 24, 2008

Taylor Capital Group, Inc., Rosemont, Illinois -- change in bank control of Taylor 

and its subsidiary bank, Cole Taylor Bank, Chicago.

Chicago

- Permitted, September 25, 2008

Woodbine Agency, Inc., Woodbine, Kansas -- change in bank control of Woodbine 

and its subsidiary bank, The Citizens State Bank and Trust Company, Woodbine.

Kansas City

- Permitted, September 26, 2008

H.2 Actions under delegated authority September 21, 2008 to September 27, 2008

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

Bank of Lancaster, Kilmarnock, Virginia -- extension to April 24, 2009, to establish a 

branch at Route 205, Beachgate Shopping Center, Colonial Beach.

Richmond

- Granted, September 25, 2008

Comerica Bank, Detroit, Michigan -- extension to December 31, 2008, to establish a 

branch at 412 Washington Street, San Diego, California.

Chicago

- Granted, September 18, 2008

(A/C)

Minier Financial, Inc. Employee Stock Ownership Plan with 401(k) Provisions, 

Minier, Illinois -- extension to January 28, 2009, to increase its ownership of Minier 

Financial, Inc., Minier, and thereby increase its indirect ownership of First Farmers 

State Bank.

Chicago

- Granted, September 22, 2008

Financial Holding Companies 

Morgan Stanley, New York, New York; Morgan Stanley Capital Management LLC; 

and Morgan Stanley Domestic Holdings, Inc. -- election to become financial holding 

companies.

Secretary

- Effective, September 22, 2008

H.2 Actions under delegated authority September 21, 2008 to September 27, 2008

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

Goldman Sachs Bank USA, Salt Lake City, Utah -- membership in the Federal 

Reserve System; retention of a branch at 100 Crescent Court, Suite 1000, Dallas, 

Texas; and location determination of a master account at the Federal Reserve Bank of 

New York.

Secretary

- Approved, September 25, 2008

H.2 Actions under delegated authority September 21, 2008 to September 27, 2008

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

Federal Reserve Bank of Boston

Filings received during the week ending September 27, 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 September 27, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Goldman Sachs Bank USA, Salt Lake City, Utah 

to become a member of the Federal Reserve 

System.

GOLDMAN SACHS BANK USA

Newspaper:

Federal Register:

* 3A1 Not available

Investment Not available

The Goldman Sachs Group, Inc. ("Goldman") 

and Goldman Sachs Bank USA Holdings LLC, 

both of New York, New York, to become bank 

holding companies on conversion of Goldman 

Sachs Bank USA, Salt Lake City, Utah, to a 

state-chartered bank, pursuant to Section 3 of 

the Bank Holding Company Act ("BHC Act") 

and for Goldman to retain its foreign bank 

subsidiaries, pursuant to Section 4(c)(13) of the 

BHC Act.

GOLDMAN SACHS GROUP, INC., 

THE

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

ICICI Bank Limited, Mumbai, India, to establish 

representative offices in San Francisco and Los 

Angeles, California; Atlanta, Georgia; Chicago, 

Illinois; Edison, New Jersey; Houston, Texas 

and Washington D.C., pursuant to Section 

211.24(a)(2)(i)(B)(2) of Regulation K.

ICICI BANK LIMITED

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

JPMorgan Chase & Co., New York, New York, 

and J.P. Morgan International Finance Limited, 

Newark, Delaware, provide 30 days' prior notice 

to the Board, pursuant to Section 211.9(f) of 

Regulation K, of their intention to make an 

investment in a UK-based subsidiary, and 

requests a waiver from the aggregate 

investment limit in Section 211.9(b)(6) of 

Regulation K.

JPMORGAN CHASE & CO.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

JPMorgan Chase Bank, National Association, 

Columbus, Ohio, Bank One International 

Holdings Corporation, Chicago, Illinois, J.P. 

Morgan International Inc., New York, New York, 

and J.P. Morgan International Finance Limited, 

Newark, Delaware, provide 30 days' prior notice 

to the Board, pursuant to Section 211.9(f) of 

Regulation K, of their intention to make an 

investment in a UK-based subsidiary, and 

request a waiver from the aggregate investment 

limit in Section 211.9(b)(6) of Regulation K.

JPMORGAN CHASE BANK, 

NATIONAL ASSOCIATION

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 10/07/2008

Buffalo, New York, requests to establish a 

branch located at 8521 Colesville Road, Silver 

Spring, Montgomery County, Maryland.

MANUFACTURERS AND 

TRADERS TRUST COMPANY

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

Federal Reserve Bank of New York

Filings received during the week ending September 27, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 4c8

Investment

09/21/2008

09/21/2008

Morgan Stanley ("Morgan"), Morgan Stanley 

Capital Management LLC, and Morgan Stanley 

Domestic Holdings, Inc., all of New York, New 

York, to become bank holding companies on 

conversion of Morgan Stanley Bank, Salt Lake 

City, Utah, to a bank, pursuant to Section 3 of 

the Bank Holding Company Act ("BHC Act"); 

and to become financial holding companies, 

pursuant to Section 225.82 of Regulation Y; for 

Morgan to retain its shares of Morgan Stanley 

Trust, Jersey City, New Jersey, and Morgan 

Stanley Trust National Association, 

Wilmington, Delaware, and thereby operate a 

savings association and trust company, 

pursuant to Section 4(c)(8) of the BHC Act; and 

for Morgan to retain its foreign bank 

subsidiaries, pursuant to Section 4(c)(13) of the 

BHC Act.

MORGAN STANLEY

Newspaper:

Federal Register:

FBSEA

Not applicable

Woori Bank, Seoul, Korea, to upgrade its Los 09/30/2008

Angeles agency to a branch, pursuant to 

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

WOORI BANK

* 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 September 27, 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 September 27, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 September 27, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Susquehanna Bank, Hagerstown, Maryland, 10/04/2008

proposes to establish a branch at 201 

International Drive, Hunt Valley, Maryland.

SUSQUEHANNA BANK

* Subject to the provisions of the Community Reinvestment Act
District: 5

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending September 27, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco de Desarrollo Rural, S.A., (BANRURAL), 

Guatemala City, Guatemala, to establish a 

representative office located in Miami, Florida.

BANCO DE DESARROLLO 

RURAL, S.A.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Broward Financial Holdings, Inc., to become a 

bank holding company by acquiring 100 percent 

of the outstanding shares of Broward Bank of 

Commerce (in organization), both of Fort 

Lauderdale, Florida.

BROWARD FINANCIAL 

HOLDINGS, INC.

Newspaper:

Federal Register:

CIC Not available

10/20/2008

Prior change in control notice filed by Mr. James 

C. France, Daytona Beach, Florida, to acquire 

voting control of up to 72 percent of the 

combined voting power of the outstanding 

shares of common stock and shares of newly 

designated preferred stock of CenterBank, Inc., 

and its subsidiary, Centerbank of Jacksonville, 

N.A., both of Jacksonville, Florida.

CENTERBANK, INC.

Newspaper:

Federal Register:

* 3A5 Not available

Not available

First National Bankers Bankshares, Inc., Baton 

Rouge, Louisiana, to merge with Arkansas 

Bankers Bancorporation, Inc., and thereby 

aquire its subsidiary, Arkansas Bankers Bank, 

both of Little Rock, Arkansas.

FIRST NATIONAL BANKERS 

BANKSHARES, INC.

Newspaper:

Federal Register:

* 4c8

Not available

First Trust Corporation, New Orleans, 10/29/2008

Louisiana, to acquire 100 percent of the 

outstanding shares of Globe Bancorp, Inc, and 

its subsidiary, Globe Homestead Savings Bank, 

FSA, both of Metairie, Louisiana, and thereby 

engage in operating a savings association.

FIRST TRUST CORPORATION

Newspaper:

Federal Register:

CIC

Not available

Prior change in control filed by Mark Allen 10/24/2008

Conner, Canton, Georgia, to acquire an 

additional 38.1 percent of the outstanding 

shares of FirstCity Bancorp, Inc., and its 

subsidiary, FirstCity Bank, both of Stockbridge, 

Georgia. Pro forma will equal 58.5 percent.

FIRSTCITY BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

After-the-fact change in control notice filed by 

James C. Jones, Waycross, Georgia; Patrick C. 

Jones and Carole C. Jones, both of Blackshear, 

Georgia; to retain 35.05 percent of the 

outstanding shares of Jones Bancshares, LP, 

and its subsidiary, Primesouth Bank, both of 

Blackshear, Georgia.

JONES BANCSHARES, L.P.

* 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 September 27, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

First Community Financial Partners, Inc., Joliet, 

Illinois, to acquire at least 50.01 percent of the 

voting shares of First Community Bank of 

Homer Glen & Lockport (in organization), Homer 

Glen, Illinois.

FIRST COMMUNITY 

FINANCIAL PARTNERS, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Peter T. Rogers, Appleton, 

Wisconsin, to acquire approximately 21 percent 

of the shares of M.S.B. Bancorporation, Inc., 

Marion, Wisconsin, and thereby indirectly 

acquire shares of Premier Community Bank, 

Marion, Wisconsin.

M.S.B. BANCORPORATION, INC.

Newspaper:

Federal Register:

* 4c8 Not available

10/10/2008

PrivateBancorp, Inc., Chicago, Illinois, to 

acquire 100 percent of the voting shares of The 

PrivateWealth Trust Company, a federal 

savings bank (in organization), Chicago, Illinois, 

and thereby operate a savings association.

PRIVATEBANCORP, INC.

Newspaper:

Federal Register:

CIC 09/30/2008

10/07/2008

Notice by Nicholas J. Burns, Jr., Almond, 

Wisconsin, to increase his ownership to 10 

percent or more of the shares of River Cities 

Bancshares, Inc., Wisconsin Rapids, 

Wisconsin, and thereby indirectly increase 

control of River Cities Bank, Wisconsin Rapids, 

Wisconsin. The increase results from a 

redemption of shares by River Cities 

Bancshares, Inc., Wisconsin Rapids, 

Wisconsin.

RIVER CITIES BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A3 10/05/2008

10/09/2008

Tompkins Bancorp, Inc., Avon, Illinois, to 

acquire 100 percent of the voting shares of 

Community Bank of Galesburg, Galesburg, 

Illinois.

TOMPKINS BANCORP, INC.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending September 27, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 September 27, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

10/24/2008

BHCB Holding Company, Rapid City, South 

Dakota, to become a bank holding company by 

acquiring 100 percent of Black Hills Community 

Bank, N.A., Rapid City, South Dakota, a de 

novo bank.

BHCB HOLDING COMPANY

Newspaper:

Federal Register:

* 3A5 Not available

10/17/2008

Glacier Bancorp, Inc., Kalispell, Montana, to 

acquire 100 percent of the voting shares of Bank 

of the San Juans Bancorporation, Durango, 

Colorado, and thereby indirectly acquire Bank 

of the San Juans, Durango, Colorado.

GLACIER BANCORP, INC.

Newspaper:

Federal Register:

CIC 10/15/2008

10/14/2008

Change in Control notice by Randall E. Streifel, 

Powers Lake, North Dakota, to acquire 25% or 

more of the shares of Liberty Bancorporation, 

Inc., Powers Lake, North Dakota, and thereby 

indirectly acquire control of Liberty State Bank, 

Powers Lake, North Dakota. Notice by Liberty 

Bancorporation, Inc., Powers Lake, North 

Dakota, to redeem 80% of its outstanding 

common stock.

LIBERTY BANCORPORATION, 

INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending September 27, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 10/12/2008

10/17/2008

CCB Financial Corporation, Kansas City, 

Missouri, to acquire 100 percent of the voting 

shares of NKC Bancshares, Inc., parent of 

Norbank, both in North Kansas City, Missouri.

CCB FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC 09/30/2008

09/26/2008

The Schifferdecker Limited Partnership, Girard, 

Kansas; Mark W. Schifferdecker, Girard, 

Kansas, in an individual capacity and as 

managing general partner; Susan B. Friesen, 

Omaha, Nebraska, Joy L. Shoop, Hiawatha, 

Kansas, in an individual capacity and as general 

partners; and John and Carole Schifferdecker, 

Girard, Kansas, Nancy Schifferdecker, Girard, 

Kansas, and Nancy George, Hepler, Kansas, to 

become part of the family group acting in 

concert, to acquire control of GN Bankshares, 

Inc., parent of The Girard National Bank, both in 

Girard, Kansas. In addition, the Neihart Limited 

Partnership, Kansas City, Missouri; and David 

Neihart, Prairie Village, Kansas, and Robert 

Neihart, Overland Park, Kansas, in an individual 

capacity and as general partners; and Wendy 

Neihart, Prairie Village, Kansas, to become part 

of the family group acting in concert to control 

GN Bankshares, Inc., parent of The Girard 

National Bank, Girard, Kansas.

GN BANKSHARES, 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 September 27, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

10/20/2008

First Artesia Bancshares, Inc., Artesia, New 

Mexico, to acquire by merger 100 percent of 

AmFin Holding Company, Silver City, New 

Mexico, and indirectly acquire AmBank, Silver 

City, New Mexico.

FIRST ARTESIA BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

10/17/2008

ST Financial Group, Inc., Montgomery, Texas, 

to become a bank holding company by 

acquiring 100 percent of Snook Bancshares, 

Inc., Snook, Texas, and indirectly acquire First 

Bank of Snook, Snook, Texas.

ST FINANCIAL GROUP, 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 September 27, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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