Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 22 

Week Ending May 31, 2008

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

H.2 Board Actions May 25, 2008 to May 31, 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

May 25, 2008 to May 31, 2008

Bank Branches, Domestic

Bank of the James, Lynchburg, Virginia -- to establish a branch at 1405 Old 

Dominion Boulevard, Bedford.

Richmond

- Approved, May 28, 2008

Bank of the Orient, San Francisco, California -- to establish a branch at 1016 

Maunakea Street, Honolulu, Hawaii.

San Francisco

- Approved, May 29, 2008

Comerica Bank, Dallas, Texas -- to establish branches at: 15701 Kingfield Drive and 

2396 W. Holcombe Boulevard, Houston; 19107 W. Lake Houston Parkway, 

Humble; and 11151 Broadway Street, Pearland.

Dallas

- Approved, May 28, 2008

Bank Holding Companies

Black River BancVenture, Inc., Memphis, Tennessee -- to become a bank holding 

company and to acquire shares of Michigan Community Bancorp, Ltd., Sterling 

Heights, Michigan, and thereby acquire Lakeside Community Bank.

Chicago

- Approved, May 30, 2008

(A/C) = Addition or Correction Delegated - 1 of 4
Bank Holding Companies

Central Bancompany, Jefferson City, Missouri -- to acquire Holden Bankshares, 

Inc., Holden, and thereby acquire Bank of Holden; and for Holden Acquisition 

Corporation to become a bank holding company and to acquire Holden Bancshares, 

Inc., and Bank of Holden.

St. Louis

- Approved, May 30, 2008

ESB Bancorp, MHC, and ESB Bancorp, Inc., Easthampton, Massachusetts -- to 

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

respectively, and to acquire Easthampton Savings Bank, Easthampton.

Boston

- Approved, May 29, 2008

Hatton Bancshares, Inc., Hatton, North Dakota -- to acquire Mahnomen Bancshares, 

Inc., Mahnomen, Minnesota, and thereby acquire First National Bank in Mahnomen.

Minneapolis

- Withdrawn, May 27, 2008

Home Federal Bancorp, Inc., Shreveport, Louisiana -- waiver of application to 

acquire First Louisiana Bancshares, Inc., Shreveport, and its subsidiary bank, First 

Louisiana Bank, in connection with the merger of First Louisiana Bank into Home 

Federal Bancorp's subsidiary thrift, Home Federal Savings and Loan Association.

Dallas

- Granted, May 30, 2008

Liberty Financial Services, Inc., Sioux City, Iowa -- to acquire Valley Bank N.A., 

Elk Point, South Dakota.

Chicago

- Approved, May 29, 2008

H.2 Actions under delegated authority May 25, 2008 to May 31, 2008

(A/C) = Addition or Correction Delegated - 2 of 4
Bank Holding Companies

Spence Limited L.P., and Financial Junk, L.L.C., Nashville, Tennessee -- to become 

bank holding companies and to acquire shares of Michigan Community Bancorp, 

Ltd., Sterling Heights, Michigan, and thereby acquire Lakeside Community Bank.

Chicago

- Approved, May 30, 2008

Spence Limited L.P., Nashville, Tennessee; Black River BancVenture, Inc., 

Memphis; and Financial Junk, L.L.C., Nashville -- to acquire an interest in Alliant 

Bank, Sedgwick, Kansas; Farmers Savings Bank, Keota, Iowa; Gorham State Bank, 

Gorham, Kansas; Greensburg State Bank, Greensburg; Kansas State Bank, 

Overbrook; Leonardville State Bank, Leonardville; Marquette Farmers State Bank, 

Marquette; Community Shores Bank Corporation, Muskegon, Michigan, and 

Community Shores Bank; Allegiance Bank of North America, Bala Cynwyd, 

Pennsylvania; Bay Commercial Bank, Walnut Creek, California; Cornerstone Bank, 

Moorestown, New Jersey; SFB Bancorp, Inc., Elizabethon, Tennessee; and Security 

Federal Bank and Quaint Oak Bancorp, Southampton, Pennsylvania; and Quaint Oak 

Savings Bank.

Chicago

- Approved, May 30, 2008

Financial Holding Companies 

Financial Institutions, Inc., Warsaw, New York -- election to become a financial 

holding company.

New York

- Effective, May 28, 2008

Putnam Bancshares, Inc., Hurricane, West Virginia -- election to become a financial 

holding company.

Richmond

- Effective, May 27, 2008

H.2 Actions under delegated authority May 25, 2008 to May 31, 2008

(A/C) = Addition or Correction Delegated - 3 of 4
Financial Holding Companies 

Rocky Mountain Capital, Wilson, Wyoming -- election by Rocky Mountain 

Bankholdings, Inc., Wilson, to become a financial holding company.

Kansas City

- Effective, May 29, 2008

H.2 Actions under delegated authority May 25, 2008 to May 31, 2008

(A/C) = Addition or Correction Delegated - 4 of 4
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending May 31, 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 May 31, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

National Agricultural Cooperative Federation, 

Seoul, Korea, to establish a branch in New York, 

New York.

NATIONAL AGRICULTURAL 

COOPERATIVE FEDERATION, 

THE

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

The National Australia Bank Limited, 

Melbourne, Australia, to establish a branch in 

Chicago, Illinois, under Section 211.24(a)(2) of 

Regulation K.

NATIONAL AUSTRALIA BANK 

LIMITED

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Standard Chartered Bank, London, England, to 

establish a representative office in Newark, New 

Jersey pursuant to Section 211.24(a)(2)(i)(B)(1) 

of Regulation K.

STANDARD CHARTERED 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 May 31, 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 May 31, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 06/03/2008

a branch at 601 South Clark Street, Chicago, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 06/10/2008

a branch at 9450 West Linebaugh Avenue, 

Tampa, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Application by Ohio Heritage Bank, Coshocton, 

OH to establish a branch at 1066 Hebron Road, 

Heath, OH.

OHIO HERITAGE BANK

* 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 May 31, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Bank of America Corporation, Charlotte, North 

Carolina, to increase its investment in China 

Construction Bank Corporation, Beijing, China.

BANK OF AMERICA 

CORPORATION

Newspaper:

Federal Register:

* 3A1 05/17/2008

06/20/2008

Blue Ridge Bank Holdings, Inc., Asheville, 

North Carolina, to become a bank holding 

company through the retention of 100% of the 

voting securities of Blue Ridge Savings Bank, 

Incorporated, Asheville, North Carolina.

Blue Ridge Bank Holdings, Inc.

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

06/16/2008

Eagle Bancorp, Inc., Bethesda, Maryland, to 

acquire 100% of the voting securities of Fidelity 

& Trust Financial Corporation, Bethesda, 

Maryland and thereby indirectly acquire Fidelity 

& Trust Bank, Bethesda, Maryland.

EAGLE BANCORP, 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 May 31, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

1st United Bank, Boca Raton, Florida, to acquire 06/25/2008

6 branches of Citrus Bank, N.A., Vero Beach, 

Florida.

1ST UNITED BANK

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 06/23/2008

06/23/2008

Caja de Ahorros y Monte de Piedad de Madrid, 

along with its subsidiaries, Caja Madrid Cibeles 

S.A., both of Madrid, Spain, and CM Florida 

Holdings, Inc., Coral Gables, Florida, to become 

bank holding companies by acquiring 83 

percent of the controlling interest of City 

National Bancshares, Inc., and its subsidiary, 

City National Bank of Florida, both of Miami, 

Florida.

CAJA DE AHORROS Y MONTE 

DE PIEDAD DE MADRID

Newspaper:

Federal Register:

CIC 06/18/2008

06/19/2008

Farmers Bancorp, Inc., Lynchburg, Tennessee, 

prior change in control notice filed by Mr. 

Marion Edwin Lowery, Franklin, Tennessee, to 

acquire 58.12% of the outstanding shares of 

Farmers Bancorp, Inc., and its subsidiary, 

Farmers Bank of Lynchburg, both of 

Lynchburg, Tennessee.

FARMERS BANCORP, INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Monte de Piedad y Caja de Ahorros San 

Fernando de Huelva, Sevilla, Spain (CAJASOL), 

to establish a representative office in Miami, 

Florida.

MONTE DE PIEDAD Y CAJA DE 

AHORROS SAN FERNANDO DE 

HUELVA

* 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 May 31, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

06/27/2008

C-B-G, Inc., West Liberty, Iowa, to acquire an 

additional $5 million (only $500,000 from C-B-G, 

Inc. and the remaining from executive officers, 

directors, and shareholders of CBG all 

considered to be acting in concert) of common 

stock, or up to 50.01 percent, in Washington 

Bancorp, Washington, Iowa, and thereby 

increase it's indirect interest in Washington 

Bancorp's subsidiary, Federation Bank, 

Washington, Iowa.

C-B-G, INC.

Newspaper:

Federal Register:

* 3A3 Not available

06/20/2008

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VII, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Central Arizona Bank (in 

organization), Casa Grande, Arizona.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3 Not available

06/20/2008

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VII, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Sunrise Bank of Norman (in 

organization), Norman, Oklahoma.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 Not available

06/27/2008

Capitol Bancorp, Ltd., Lansing, Michigan, to 

acquire 51 percent of the voting shares of FFSB 

Financial Corporation, Lansing, Michigan, and 

thereby indirectly acquire Forethought Federal 

Savings Bank, Batesville, Indiana, and thereby 

operate a savings association.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3 Not available

06/02/2008

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

retain 5.9 percent of the voting shares of Valley 

Financial Group, Ltd., Saginaw, Michigan, and 

thereby indirectly retain shares of 1st State 

Bank, Saginaw, Michigan.

IBT BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by John B. Scheumann, Lafayette, 

Indiana, to acquire 25.24 percent of the voting 

shares of Lafayette Community Bancorp, 

Lafayette, Indiana, and thereby indirectly 

acquire Lafayette Community Bank, Lafayette, 

Indiana.

LAFAYETTE COMMUNITY 

BANCORP

* 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 May 31, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 07/04/2008

06/30/2008

Lea M. McMullan Trust, Shelbyville, Kentucky, 

to indirectly acquire 100 percent of Golden 

Triangle Bancshares, Inc., Campbellsburg, 

Kentucky, and thereby indirectly acquire 

Citizens Bank, New Liberty, Kentucky. Also a 

companion filing for Citizens Union Bancorp of 

Shelbyville, Inc., Shelbyville, Kentucky, to 

acquire 100 percent of Golden Triangle 

Bancshares, Inc., Campbellsburg, Kentucky, 

and thereby indirectly acquire Citizens Bank, 

New Liberty, Kentucky.

LEA M. MCMULLAN TRUST

Newspaper:

Federal Register:

* 3A1 06/25/2008

06/27/2008

Rock Bancshares, Inc., Little Rock, Arkansas, to 

become a bank holding company through the 

conversion of its thrift subsidiary, Heartland 

Community Bank, Bryant, Arkansas, into a 

state-chartered commercial bank.

ROCK BANCSHARES, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending May 31, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

06/13/2008

Charter Bankshares, Inc., Eau Claire, Wisconsin, 

to acquire 100% of Peregrine Corporation, 

Chaska, Minnesota, and thereby indirectly 

acquire Community Bank Corporation, Chaska, 

Minnesota.

CHARTER BANKSHARES, INC.

Newspaper:

Federal Register:

CIC 06/04/2008

06/19/2008

Change in Control notice by The Yvonne M. 

Connolly Irrevocable Trust and Yvonne M. 

Connolly, as co-trustee, both of Benson, 

Minnesota, to retain and acquire 25% or more of 

the shares of West 12 Bancorporation, Inc., 

Danvers, Minnesota, and thereby indirectly 

retain and acquire control of State Bank of 

Danvers, Danvers, Minnesota.

WEST 12 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 May 31, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

American Bank and Trust Company, N.A., Great 

Bend, Kansas, to retain its membership in the 

Federal Reserve System following its 

conversion from a national to a state charter.

AMERICAN STATE BANK & 

TRUST COMPANY, NATIONAL 

ASSOCIATION

Newspaper:

Federal Register:

* Branch

Not applicable

Canadian State Bank, Yukon, Oklahoma, to 06/01/2008

establish a branch at 620 East State Highway 

152, Mustang, Oklahoma.

CANADIAN STATE BANK

Newspaper:

Federal Register:

* 3A3 06/09/2008

06/25/2008

Equity Bancshares, Inc., Andover, Kansas, to 

acquire 100 percent of the voting shares of Ellis 

State Bank, Ellis, Kansas.

EQUITY BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Rocky Mountain Bank, Rock Springs, 06/16/2008

Wyoming, to establish a branch at 890 West 

Broadway, Jackson, Wyoming.

ROCKY MOUNTAIN BANK

Newspaper:

Federal Register:

* 3A3 Not available

06/30/2008

Stockmens Financial Corporation, Rapid City, 

South Dakota, to acquire 100 percent of the 

voting shares of Homestead Financial 

Corporation, parent of The First National Bank 

and Trust, both in Beatrice, Nebraska.

STOCKMENS FINANCIAL 

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

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 May 31, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

06/12/2008

Notice by Carolyn V. Kothmann, Menard, 

Texas, Carl G. Kothmann, Menard, Texas, Benny 

F. Kothmann, Menard, Texas, Dora L. Wright, 

Menard, Texas, Stanley C. Kothmann, 

Southlake, Texas, LaVerne C. Kothmann, 

Menard, Texas, and Kaddo F. Kothmann, 

Garden City, Texas, to acquire an interest in 

Menard Bancshares, Inc., Menard, Texas, and 

thereby indirectly acquire Menard National 

Bank, Menard, Texas.

MENARD 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 May 31, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

06/09/2008

Bank of Whitman Employee Stock Ownership 

Plan, Colfax Washington, to acquire 56 percent 

of Whitman Bancorporation Incorporated, 

Colfax, Washington, and thereby indirectly 

acquire Whitman Bank, Colfax, Washington.

BANK OF WHITMAN 

EMPLOYEE STOCK OWNERSHIP 

PLAN

* 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