Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 43 

Week Ending October 27, 2007

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

Subprime Lending -- statement by Governor Kroszner on the subprime mortgage 

market, Federal Reserve actions, and potential legislative responses before the House 

Committee on Financial Services on October 24, 2007.

- Reviewed, October 23, 2007

Forms

Forms -- final Board review to extend without revision the Recordkeeping and 

Disclosure Requirements Associated with Securities Transactions Pursuant to 

Regulation H (Reg H-3) and the Home Mortgage Disclosure Act/Loan Application 

Register (HMDA/LAR).

- Approved, October 24, 2007

Regulations And Policies

Identity Theft Red Flags -- final interagency regulations under the Fair and Accurate 

Credit Transactions Act to require financial institutions and creditors to establish 

identify theft prevention programs; to require credit and debit card issuers to assess 

the validity of notifications of changes in address; and to provide guidance on 

policies and procedures for credit report users who receive a notice of address 

discrepancy from a consumer reporting agency (Docket No. R-1255).

- Approved, October 23, 2007

H.2 Board Actions October 21, 2007 to October 27, 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

October 21, 2007 to October 27, 2007

Bank Branches, Domestic

The Bank of Fayette County, Moscow, Tennessee -- to establish a branch at 118 

West Market, Bolivar.

St. Louis

- Approved, October 23, 2007

Bank of Lancaster, Kilmarnock, Virginia -- to establish a branch at Route 205, 

Beachgate Shopping Center, Colonial Beach.

Richmond

- Approved, October 24, 2007

Comerica Bank, Detroit, Michigan -- to establish branches at 1351 Howard Avenue, 

Burlingame, California, and 644 Laurel Street, San Carlos.

Secretary

- Approved, October 26, 2007

Comerica Bank, Detroit, Michigan -- to establish branches at 14950 Avery Ranch 

Boulevard, Austin, Texas; 810 East Whitestone Boulevard, Building C, Cedar Park; 

5940 Fairmont Parkway, Pasadena; and the intersection of Bee Caves Road and 

Westlake Drive, West Lake Hills.

Secretary

- Approved, October 26, 2007

Comerica Bank, Detroit, Michigan -- to establish branches at 11355 South Street, 

Cerritos, California, and 2795 Pacific Coast Highway, Torrance.

Secretary

- Approved, October 26, 2007

(A/C) = Addition or Correction Delegated - 1 of 8
Bank Branches, Domestic

The Cortland Savings and Banking Company, Cortland, Ohio -- to establish a branch 

at 9001 Market Street, North Lima.

Cleveland

- Approved, October 23, 2007

EVB, Tappahannock, Virginia -- to establish a branch at 2599 New Kent Highway, 

Quinton.

Richmond

- Approved, October 24, 2007

Midland States Bank, Effingham, Illinois -- to establish a mobile branch to serve the 

Chesterfield, Missouri market.

St. Louis

- Approved, October 22, 2007

The North Side Bank and Trust Company, Cincinnati, Ohio -- to establish a branch at 

State Route 22 and U.S. 48, Maineville.

Cleveland

- Approved, October 26, 2007

Waccamaw Bank, Whiteville, North Carolina -- to establish a branch at 8001 East 

Oak Island Drive, Oak Island.

Richmond

- Approved, October 24, 2007

H.2 Actions under delegated authority October 21, 2007 to October 27, 2007

(A/C) = Addition or Correction Delegated - 2 of 8
Bank Branches, Domestic

Waccamaw Bank, Whiteville, North Carolina -- to establish a branch at 200 Smith 

Avenue, Shallotte.

Richmond

- Approved, October 24, 2007

Waccamaw Bank, Whiteville, North Carolina -- to establish a branch at 5429 Dick 

Pond Road, Myrtle Beach, South Carolina.

Richmond

- Approved, October 24, 2007

Bank Holding Companies

Atlantic Southern Financial Group, Inc., Macon, Georgia -- to acquire CenterState 

Bank Mid Florida, Leesburg, Florida.

Atlanta

- Approved, October 22, 2007

City Savings Bancshares, Inc., Deridder, Louisiana -- to merge with Louisiana 

Community Bancshares, Inc., Kaplan, and thereby acquire its subsidiaries, Kaplan 

State Bank and Teche Bank & Trust Co., St. Martinville.

Atlanta

- Approved, October 26, 2007

CNB Bancorp, Inc., Mobile, Alabama -- to become a bank holding company and to 

acquire Commonwealth National Bank.

Atlanta

- Approved, October 26, 2007

H.2 Actions under delegated authority October 21, 2007 to October 27, 2007

(A/C) = Addition or Correction Delegated - 3 of 8
Bank Holding Companies

Fidelity Homestead Savings Bank, New Orleans, Louisiana -- waiver of application 

to acquire Your Bank, Ponchatoula, in connection with the merger of Your Bank into 

Fidelity Homestead Savings Bank.

Atlanta

- Granted, October 26, 2007

First Citizens Banc Corp, Sandusky, Ohio -- waiver of application to acquire Futura 

Banc Corporation, Urbana, in connection with the merger of their respective bank 

subsidiaries, Citizens Banking Company, Sandusky, and Champaign National Bank, 

Urbana.

Cleveland

- Withdrawn, October 24, 2007

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

company and to acquire Commercebank of Southwest Florida.

Chicago

- Withdrawn, October 25, 2007

Franklin Resources, Inc., San Mateo, California -- to retain shares of Corus 

Bankshares, Inc., Chicago, Illinois, and Corus Bank, N.A.

San Francisco

- Approved, October 26, 2007

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

bank holding company and to retain shares of Resource One, Inc. and Grant County 

Bank.

Kansas City

- Approved, October 26, 2007

H.2 Actions under delegated authority October 21, 2007 to October 27, 2007

(A/C) = Addition or Correction Delegated - 4 of 8
Bank Holding Companies

Greater Rochester Bancorp, Inc., Rochester, New York -- to become a bank holding 

company and to acquire Genesee Regional Bank.

New York

- Approved, October 26, 2007

LCNB Corp., Lebanon, Ohio -- waiver of application to acquire Sycamore National 

Bank, Cincinnati, in connection with the merger of LCNB Corp.'s subsidiary, 

Lebanon Citizens National Bank, Lebanon, and Sycamore National Bank.

Cleveland

- Granted, October 26, 2007

M&P Community Bancshares, Inc. 401(k) Employee Stock Ownership Plan, 

Newport, Arkansas -- to acquire additional shares of M&P Community Bancshares, 

Inc.

St. Louis

- Approved, October 26, 2007

Magnolia Banking Corporation, Magnolia, Arkansas -- to acquire Southern State 

Bancshares, Inc., Malvern, and thereby acquire Southern State Bank.

St. Louis

- Approved, October 22, 2007

NETEX Bancorporation, Mount Pleasant, Texas -- to acquire City Bancorp, Inc., 

Wellington, and thereby acquire City Delaware Bancorp, Inc., Dover, Delaware, and 

Community Bank, Wellington, Texas.

Dallas

- Approved, October 24, 2007

H.2 Actions under delegated authority October 21, 2007 to October 27, 2007

(A/C) = Addition or Correction Delegated - 5 of 8
Bank Holding Companies

Olney Bancshares of Texas, Inc., Olney, Texas; Olney Bancorp of Delaware, Inc., 

Wilmington, Delaware; and Rose Rock Bank, Oklahoma City, Oklahoma -- waiver 

of application to acquire Union Bank, National Association, Oklahoma City, 

Oklahoma, in connection with the merger of Rose Rock Bank with and into Union 

Bank.

Dallas

- Granted, October 26, 2007

Pawnee Bancshares, Inc. Larned, Kansas -- relief from certain commitments.

Kansas City

- Granted, October 22, 2007

Security Business Bancorp, San Diego, California -- to become a bank holding 

company and to acquire Security Business Bank of San Diego.

San Francisco

- Approved, October 25, 2007

Sooner Southwest Bankshares, Inc., Tulsa, Oklahoma -- to engage in lending 

activities.

Kansas City

- Approved, October 25, 2007

W.T.B. Financial Corporation, Spokane, Washington -- to retroactively acquire 

shares of IT-Lifeline, Inc., Liberty Lake.

San Francisco

- Approved, October 24, 2007

H.2 Actions under delegated authority October 21, 2007 to October 27, 2007

(A/C) = Addition or Correction Delegated - 6 of 8
Bank Mergers

Susquehanna Bank, Hagerstown, Maryland -- to purchase the assets and assume the 

liabilities of six Maryland branches, located in Owings Mills (2), Westminster, 

Manchester, and Columbia (2), of Susquehanna Bank PA, Lititz, Pennsylvania.

Philadelphia

- Approved, October 26, 2007

Change In Bank Control

FC Banc Corp, Bucyrus, Ohio -- change in bank control.

Cleveland

- Returned, October 23, 2007

Resource One, Inc., Ulysses, Kansas -- change in bank control.

Kansas City

- Permitted, October 24, 2007

Extensions Of Time

Bank of Hampton Roads, Norfolk, Virginia -- extension to May 1, 2008, to establish 

a branch at 204 Carmichael Way, Chesapeake.

Richmond

- Granted, October 22, 2007

First Charter Bank, Charlotte, North Carolina -- extension to February 15, 2008, to 

establish a branch at N.C. Highway 16 and Cureton Parkway, Waxhaw.

Richmond

- Granted, October 22, 2007

H.2 Actions under delegated authority October 21, 2007 to October 27, 2007

(A/C) = Addition or Correction Delegated - 7 of 8
International Operations

Citibank, N.A., Las Vegas, Nevada -- modification of the aggregate investment limit 

under Regulation K.

Director, BS&R

- Granted, October 26, 2007

Citigroup Inc., New York, New York -- request to broaden a temporary exemption 

from section 23A of the Federal Reserve Act to permit transactions with its bank's 

foreign broker-dealer affiliate.

Director, BS&R

- Granted, October 23, 2007

Membership

Franklin Synergy Bank, Franklin, Tennessee -- to become a member of the Federal 

Reserve System.

Atlanta

- Approved, October 26, 2007

H.2 Actions under delegated authority October 21, 2007 to October 27, 2007

(A/C) = Addition or Correction Delegated - 8 of 8
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending October 27, 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 October 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

4c8

* 18C

* Branch

10/24/2007

10/29/2007

Allied Irish Banks, p.l.c., Dublin, Ireland and 

M&T Bank Corporation, Buffalo, New York 

("M&T"), for prior approvalof the Board of 

Governors of the Federal Reserve System (the 

"Board") to (i) acquire 100 percent of the 

outstanding shares of Partners Trust Financial 

Group, Utica, New York ("Partners Trust") and 

merge Partners Trust with and into M&T, and 

thereby to acquire Partners Trust's 

wholly-owned bank subsidiary, Partners Trust 

Municipal Bank, Utica, New York, and also 

thereby to acquire Partners Trust Bank, Utica, 

New York, and thereby operate a federal 

savings bank, and (ii) to acquire Partners Trust's 

wholly-owned direct and indirect non-banking 

subsidiaries, pursuant to Sections 3(a)(3), 4(c)

(8) and 4(j) of the Bank Holding Company Act 

of 1956, as amended, and Sections 225.15 and 

225.24 of Regulation Y. 

In addition, Manufacturers and Traders Trust 

Company, Buffalo, New York, ("M&T Bank") 

requests approval to merge with Partners Trust 

Bank and Partners Trust Municipal Bank, with 

M&T Bank as the surviving entity, pursuant to 

Section 18(c) of the Federal Deposit Insurance 

Act, and in connection therewith, to retain the 

branches at the current branch locations of 

Partners Trust Bank, pursuant to Section 9 of 

the Federal Reserve Act.

ALLIED IRISH BANKS, P.L.C.

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:

* 18C

Not applicable

Manufacturers and Traders Trust Company and 11/19/2007

M&T Bank Corporation, both of Buffalo, New 

York, to purchase assets and assume liabilities 

of twenty branches of First Tennessee Bank 

National Association, Memphis, Tennessee 

(which branches are operated under the trade 

name First Horizon Bank) and for M&T Bank to 

establish branches at 13 such locations.

MANUFACTURERS AND 

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Oversea-Chinese Banking Corporation Limited, 

Singapore, request to convert its Los Angeles 

Agency to a branch, pursuant to Section 

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

OVERSEA-CHINESE BANKING 

CORPORATION LIMITED

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending October 27, 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 October 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 11/17/2007

11/19/2007

Application by First Citizens Banc Corp., 

Sandusky, Ohio, to acquire Futura Banc Corp., 

Urbana, Ohio, and its bank subsidiary, 

Champaign National Bank, Urbana, Ohio

FIRST CITIZENS BANC CORP

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Application by PNC Bank, Delaware, 10/08/2007

Wilmington, Delaware, to acquire by merger 

Delaware Sterling Bank & Trust Company, 

Christiana, Delaware

PNC BANK, DELAWARE

Newspaper:

Federal Register:

* Branch Not available

Not applicable

PNC Bank, Delaware, Wilmington, DE to 

establish branch at 31227 Americana Parkway, 

Fenwick Island, DE 19944 (Sussex County)

PNC BANK, DELAWARE

Newspaper:

Federal Register:

* 3A3 11/07/2007

10/19/2007

Application by S&T Bancorp, Inc., Indiana, PA 

to acquire up to 24.99% of the outstanding 

voting shares of Allegheny Valley Bancorp, 

Inc., Pittsburgh, PA filed pursuant to Section 

3(a)(3) of the Bank Holding Company Act.

S & T BANCORP, INC.

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 2347044 OHIO HERITAGE BK, COSHOCTON, OHIO 07/23/2007 10/24/2007 S Small Bank

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 October 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

EVB, Tappahannock, Virginia, proposes to 11/02/2007

establish a branch at 3300 New Kent Highway, 

Quinton, Virginia.

EVB

Newspaper:

Federal Register:

* Branch

Not applicable

First Charter Bank, Charlotte, North Carolina, 11/02/2007

proposes to establish a branch at 606 South 

Main Street, Kannapolis, North Carolina.

FIRST CHARTER BANK

Newspaper:

Federal Register:

* 3A5 Not available

Not available

First National Bancshares, Inc., Spartanburg, 

South Carolina, to acquire 100% of the voting 

securities of Carolina National Corporation, 

Columbia, South Carolina, and thereby 

indirectly acquire Carolina National Bank and 

Trust Company, Columbia, South Carolina.

FIRST NATIONAL 

BANCSHARES, 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

 2712978 ALLIANCE BK CORP, FAIRFAX, VIRGINIA 06/11/2007 09/30/2007 S Int Sm Bank

 858528 BANK OF MARION, MARION, VIRGINIA 06/04/2007 09/20/2007 S Large Bank

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 October 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5

* 18C

* Branch

11/21/2007

11/26/2007

1st United Bancorp, Boca Raton, Florida, to 

merge with Equitable Financial Group, Inc., Ft. 

Lauderdale, Florida, and thereby acquire its 

subsidiary, Equitable Bank, both of Ft. 

Lauderdale, Florida; and 1st United Bank, Boca 

Raton, Florida, to merge with Equitable Bank, Ft. 

Lauderdale, Florida.

1ST UNITED BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Foothills Bank & Trust, Maryville, Tennessee, 11/08/2007

to establish a branch located at 2430 East Lamar 

Alexander Parkway, Maryville, Tennessee.

FOOTHILLS BANK & TRUST

Newspaper:

Federal Register:

* Branch

Not applicable

Sterling Bank, Lantana, Florida, to establish a 11/02/2007

branch located at 2465 Wilton Drive, Wilton 

Manors, Florida.

STERLING BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending October 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 3A1

11/02/2007

10/29/2007

Capitol Bancorp, Ltd., Lansing, Michigan, to 

acquire 51 percent of the voting shares of 

Citizens Business Bank (in organization), 

Goodyear, Arizona, and by Capitol 

Development Bancorp Limited VII, Lansing, 

Michigan, to become a bank holding company 

by acquiring 51 percent of the voting shares of 

Citizens Business Bank (in organization), 

Goodyear, Arizona.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 11/07/2007

11/05/2007

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VII, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Community Bank of Lincoln (in 

organization), Lincoln, Nebraska, and thereby 

operate a savings association.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 Not available

11/05/2007

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VI, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Brookhollow Bank (in 

organization), Irving, Texas, and thereby to 

operate a savings association.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 Not available

11/05/2007

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VI, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Bank of Fort Bend (in 

organization), Sugar Land, Texas, and thereby 

to operate a savings association.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 Not available

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:

CIC 10/26/2007

10/24/2007

Notice by James P. Stein, Muscatine, Iowa; 

Mary Ann Bramhall-Lambert, Muscatine, Iowa; 

Thomas L. Lambert, Muscatine, Iowa; Velma M. 

Lambert, Muscatine, Iowa; as a family acting in 

concert; and William M. Parks, Muscatine, 

Iowa, individually and in concert with Ann F. 

Parks, Muscatine, Iowa, to gain control of 

Central Bancshares, Inc., Muscatine,Iowa, and 

thereby indirectly Central State Bank, 

Muscatine, Iowa; Farmers and Mechanics Bank, 

Galesburg, Illinois; Freedom Security Bank, 

Coralville, Iowa; and West Chester Savings 

Bank, Washington, Iowa.

CENTRAL BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish 

two branch facilities to be located at 2416 

Central Avenue, Alameda, California, and 1200 

Broadway, Oakland, California.

COMERICA BANK

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

Federal Reserve Bank of Chicago

Filings received during the week ending October 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

11/13/2007

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

merge with Greenville Community Financial 

Corporation, Greenville, Michigan, and thereby 

indirectly acquire Greenville Community Bank, 

Greenville, Michigan, and the related application 

by Isabella Bank and Trust, Mt. Pleasant, 

Michigan, to merge with Greenville Community 

Bank, Greenville, Michigan, and thereby 

establish two branches.

IBT BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

11/23/2007

Illinois National Bancorp, Inc., Springfield, 

Illinois, to acquire 100 percent of the voting 

shares of First National Bank of Mount Pulaski, 

Mount Pulaski, Illinois.

ILLINOIS NATIONAL BANCORP, 

INC.

Newspaper:

Federal Register:

* 3A5 11/19/2007

11/23/2007

Longview Capital Corporation, Newman, Illinois, 

to merge with BGC Bancorp, Inc., Gibson City, 

Illinois, and thereby indirectly acquire Bank of 

Gibson City, Gibson City, Illinois.

LONGVIEW CAPITAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 11/15/2007

11/16/2007

NEB Corporation, Fond du Lac, Wisconsin, to 

acquire 10.07 percent of the voting shares of 

First Menasha Bancshares, Inc., Neenah, 

Wisconsin, and thereby indirectly acquire First 

National Bank-Fox Valley, Neenah, Wisconsin.

NEB CORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Seaway Bancshares, Inc., Chicago, Illinois, 

proposes to engage de novo in extending credit 

and servicing loans.

SEAWAY BANCSHARES, INC.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 830542 CENTRAL ST BK, MUSCATINE, IOWA 05/21/2007 08/26/2007 S Int Sm Bank

 865544 CLEAR LAKE B&TC, CLEAR LAKE, IOWA 07/09/2007 10/08/2007 S Small Bank

 412135 COLE TAYLOR BK, CHICAGO, ILLINOIS 07/02/2007 10/11/2007 O Large Bank

 475345 HURON CMNTY BK, EAST TAWAS, MICHIGAN 06/11/2007 10/15/2007 S Small Bank

 180845 ILLINI ST BK, OGLESBY, ILLINOIS 07/09/2007 10/11/2007 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 October 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Farmers Bank & Trust Company, Blytheville, 

Arkansas, to increase its investment in bank 

premises in the amount of $8.25 million, which 

represents 210 percent of common stock and 

related surplus.

FARMERS BANK AND TRUST 

COMPANY

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First National Bank of Mt. Vernon, Mt. Vernon, 

Illinois, to become a member of the Federal 

Reserve System.

FIRST NATIONAL BANK OF 

MOUNT VERNON

Newspaper:

Federal Register:

* 3A3 Not available

11/26/2007

Midwest Bancorporation, Inc. and Affiliates 

Employee Stock Ownership Plan, Poplar Bluff, 

Missouri to acquire additional shares, for total 

ownership of up to 45 percent, of Midwest 

Bancorporation, Inc., Poplar Bluff, Missouri, 

and thereby indirectly acquire First Midwest 

Bank of Dexter, Dexter, Missouri, and First 

Midwest Bank of the Ozarks, Piedmont, 

Missouri.

MIDWEST BANCORPORATION, 

INC. AND AFFILIATES ESOP 

TRUST

* 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

 185859 LINDELL B&TC, SAINT LOUIS, MISSOURI 06/18/2007 10/08/2007 S Int Sm Bank

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 October 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 10/23/2007

10/12/2007

Change in control notice by Michael L. Frei, 

Pickstown, South Dakota to join a group acting 

in concert by acquiring shares of Commercial 

Holding Company, Wagner, South Dakota, and 

thereby indirectly acquiring control of 

Commercial State Bank, Wagner, South Dakota.

COMMERCIAL HOLDING 

COMPANY

Newspaper:

Federal Register:

* 3A5 10/26/2007

11/05/2007

Dairyland Bancorp, Inc., Bruce, Wisconsin, to 

acquire 100 percent of Gilman Corporation, 

Gilman, Wisconsin, and thereby indirectly 

acquire State Bank of Gilman, Gilman, 

Wisconsin.

DAIRYLAND BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 11/04/2007

11/13/2007

First Interstate BancSystem, Inc., Billings, 

Montana, to acquire 100 percent of First 

Western Bank, Wall, South Dakota, and The 

First Western Bank of Sturgis, Sturgis, South 

Dakota.

FIRST INTERSTATE 

BANCSYSTEM, INC.

Newspaper:

Federal Register:

* 3A3 Not available

11/16/2007

Highland Bancshares, Saint Michael, 

Minnesota, to acquire 100 percent of Ridgedale 

State Bank, Minnetonka, Minnesota.

HIGHLAND BANCSHARES, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

State Bankshares Inc., Fargo, North Dakota, to 

acquire 91% of Lighthouse1, L.L.C., a limited 

liability company, Minneapolis, Minnesota and 

thereby engage in a permissible nonbanking 

activity under section 225.28(b)(14)of 

Regulation Y.

STATE BANKSHARES, 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 October 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 11/19/2007

11/19/2007

BOV Holding Company to become a bank 

holding company through the acquisition of at 

least 80 percent of the voting shares of Bank of 

Versailles, both in Versailles, Missouri.

BOV HOLDING COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Citizens Security Bank and Trust Company, 11/09/2007

Bixby, Oklahoma, to establish a branch at 8085 

South Yale Avenue, Tulsa, Oklahoma.

CITIZENS SECURITY BANK & 

TRUST COMPANY

Newspaper:

Federal Register:

CIC Not available

11/09/2007

Notice by the Burns Group consisting of R. 

Dean Phillips, Las Vegas, Nevada, individually 

and as a member of the Burns Group; Janice 

Sauvage, Las Vegas, Nevada, as trustee of the 

Janice Sauvage Trust #2; the Janice Sauvage 

Trust #2, individually and as a member of the 

Burns Group; and Philip M. Burns, Las Vegas, 

Nevada, as a member of the Burns Group; to 

acquire control of First Financial Services, Inc., 

parent of First National Bank and Trust 

Company, both in Falls City, Nebraska, through 

the acquisition of voting shares.

FIRST FINANCIAL SERVICES, 

INC.

Newspaper:

Federal Register:

CIC Not available

10/23/2007

Notice by Jack L. Justice, Pauls Valley, 

Oklahoma, to acquire control of First Lindsay 

Corporation, parent of The First National Bank 

of Lindsay, both in Lindsay, Oklahoma, through 

the acquisition of voting shares.

FIRST LINDSAY CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Goppert Financial Corp., Overland Park, Kansas, 

to acquire 100 percent of the voting shares of 

Kanbanc, Inc., Overland Park, Kansas, parent of 

Citizens State Bank of Pomona, Pomona, 

Kansas; Citizens Bank of Norborne, Norborne, 

Missouri; and Farmers National Bank of 

Kansas, Walnut, Kansas. Goppert Financial 

Corp., Overland Park, Kansas, to acquire up to 

100 percent of the voting shares of The Lathrop 

Bank, Lathrop, Missouri. Goppert Financial 

Corp., Overland Park, Kansas, to acquire up to 

100 percent of the voting shares of The Pleasant 

Hill Bank, Pleasant Hill, Missouri.

GOPPERT FINANCIAL CORP.

Newspaper:

Federal Register:

* 3A3 11/16/2007

11/19/2007

Applications filed by Lauritzen Corporation, 

indirectly, and First National of Nebraska, Inc., 

directly, both of Omaha, Nebraska, to acquire 

100 percent of the voting shares of Mills 

County Bancorp, parent of Mills County Bank, 

National Association, both in Glenwood, Iowa.

LAURITZEN CORPORATION

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

Federal Reserve Bank of Kansas City

Filings received during the week ending October 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/01/2007

Notice by Loris D. New Trust, UTA 09-07-93, 

Loris D. New, Leavenworth, Kansas, trustee; to 

acquire control of Tonganoxie Bankshares, Inc., 

parent of First State Bank and Trust, both in 

Tonganoxie, Kansas; and by the Damon L. New 

Trust, UTA 12-12-97, Damon L. New, 

Leavenworth, Kansas, as trustee and 

individually; the Jilinda A. White Trust, UTA 

12-12-97, Jilinda A. White, Leavenworth, 

Kansas, as trustee and individually; the 

Shawnda D. Gilmore Trust, UTA 12-12-97, 

Shawnda D. Gilmore, Leavenworth, Kansas, as 

trustee and individually; the Brandon O. New 

Trust, UTA 12-12-97, Brandon O. New, 

Leavenworth, Kansas, as trustee and 

individually; to retain control of Tonganoxie 

Bankshares, Inc., parent of First State Bank and 

Trust, both in Tonganoxie, Kansas, as members 

of the New Family Group, a group acting in 

concert, through the acquisition of voting 

shares.

TONGANOXIE 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

 491251 CENTRAL BK OF MO, SEDALIA, MISSOURI 07/09/2007 10/05/2007 S Small Bank

 328450 CHICKASHA B&TC, CHICKASHA, OKLAHOMA 07/16/2007 10/11/2007 S Small Bank

 139553 CITIZENS SECURITY B&TC, BIXBY, OKLAHOMA 06/04/2007 10/03/2007 S Int Sm Bank

 702050 FIRST ST BK, PICHER, OKLAHOMA 07/30/2007 10/18/2007 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 October 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 11/17/2007

11/23/2007

CSB Financial Corporation, Miles, Texas, to 

become a bank holding company by acquiring 

100 percent of Citizens State Bank, Miles, Texas.

CSB FINANCIAL CORPORATION

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending October 27, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 11/22/2007

11/26/2007

Hana Financial Group, Inc., Seoul, South Korea, 

to acquire up to 37.5 percent Commonwealth 

Business Bank, Los Angeles, California, 

pursuant to section 3(a)(3) of the Bank Holding 

Company Act.

HANA FINANCIAL GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

11/07/2007

Notice by Juan C.G. Araneta, Fernando G. 

Araneta, Maria M.G. Araneta and Margarita A. 

Holigores, all of Makati City, Philippines, 

Santiago G. Araneta and Marilou G. Joaquin, 

both of Pasig City, Philippines, and Hugo N. 

Bonilla, Newark, California, to retain shares and 

control of MNB Holdings Corporation, and 

thereby indirectly control its subsidiary, 

Mission National Bank, both of San Francisco, 

California.

MNB HOLDINGS CORPORATION

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

The Shizuoka Bank, Ltd., Shizuoka, Japan, to 

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:

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, 

pursuant to section 4(c)(8) of the Bank Holding 

Company Act.

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

 933975 BANK OF UT, OGDEN, UTAH 05/07/2007 10/15/2007 S Int Sm Bank

 2717012 PACIFIC MERCANTILE BK, COSTA MESA, CALIFORNIA 07/09/2007 10/22/2007 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act