Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 18

Week Ending May 5, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions April 29, 2007 to May 5, 2007

Board Operations

Office of Inspector General -- appointment of Elizabeth A. Coleman as Inspector 

General.

- Approved, May 4, 2007 

Regulations And Policies

Home Equity Lending -- to hold a public hearing on June 14, 2007, under the 

authority of the Home Ownership and Equity Protection Act of 1994, on how to 

curb abusive lending practices in the home mortgage market.

- Announced, May 3, 2007 

Enforcement

Bank of Durango, Durango, Colorado -- issuance of a consent order of prohibition 

against Cheryl McMillan, a former cashier and institution-affiliated party.

- Announced, April 30, 2007 

First Interstate Bank, Casper, Wyoming -- issuance of a consent order of prohibition 

against Bonnie C. Milne, a former employee and institution-affiliated party.

- Announced, April 30, 2007 

(AC) = Addition or Correction Board - Page 1 of 1
April 29, 2007 to May 5, 2007

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Bank Independent, Sheffield, Alabama -- to establish a branch at The Crossings of 

Decatur, 2606 Highway 31, Decatur.

- Approved, May 3, 2007 

Atlanta

Bank of Little Rock, Little Rock, Arkansas -- to establish a branch at 1201 Rahling 

Road; and to make an additional investment in bank premises.

- Approved, May 2, 2007 

St. Louis

Community Trust Bank, Inc., Pikeville, Kentucky -- to establish a branch at 

Pullman Square, Huntington, West Virginia.

- Approved, May 2, 2007 

Cleveland

Johnson Bank, Racine, Wisconsin -- to establish branches at 5215 Douglas Avenue 

and at 1702 South River Road, Janesville.

- Approved, May 4, 2007 

Chicago

New Peoples Bank, Inc., Honaker, Virginia -- to establish a branch at 155 East Lee 

Highway, Chilhowie.

- Approved, May 3, 2007 

Richmond

Peoples Bank, Lubbock, Texas -- to establish a branch at 8001 CR 1540, the 

intersection of U.S. Highway 84 and County Road 1540, Shallowater.

- Approved, April 30, 2007 

Dallas

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 2550 Nimmo Parkway, 

Virginia Beach, Virginia.

- Approved, May 2, 2007 

Secretary

(AC) = Addition or Correction Delegated - Page 1 of 4
H.2 Actions under delegated authority April 29, 2007 to May 5, 2007

Bank Holding Companies

The Bank of New York Company, Inc., New York, New York -- request for an 

exemption under the Depository Institutions Management Interlocks Act and 

Regulation L.

- Granted, May 3, 2007 

General Counsel

Boston Private Financial Holdings, Inc., Boston, Massachusetts -- to acquire 

Charter Financial Corporation, Bellevue, Washington, and its subsidiaries, Charter 

Bank, and Banc Support, Inc., Kent.

- Approved, May 3, 2007 

Boston

CNLBancshares, Inc., Orlando, Florida -- to acquire CNLBank, Southwest Florida, 

Bonita Springs, a de novo bank.

- Approved, April 30, 2007 

Atlanta

Community Bank System, Inc., DeWitt, New York -- waiver of application in 

connection with the merger with TLNB Financial Corp.

- Granted, April 30, 2007 

New York

Franklin Bank Corp., Houston, Texas -- waiver of application to acquire The First 

National Bank of Bryan, Bryan, in connection with the merger of The First National 

Bank of Bryan with Franklin Bank, S.S.B., Houston.

- Granted, May 3, 2007 

Secretary

Gateway Financial Holdings, Inc., Virginia Beach, Virginia -- to acquire The Bank 

of Richmond, N.A., Richmond.

- Approved, May 2, 2007 

Richmond

Guardian Bancshares, Inc., Sylacauga, Alabama -- to acquire Adair Asset 

Management and thereby engage in certain investment advisory and securities 

brokerage activities.

- Approved, May 2, 2007 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 4
H.2 Actions under delegated authority April 29, 2007 to May 5, 2007

Bank Holding Companies

Layton Park Financial Group, Inc., Milwaukee, Wisconsin -- to become a bank 

holding company and to acquire Layton State Bank and engage de novo in 

extending credit and servicing loans.

- Approved, April 30, 2007 

Chicago

Lea M. McMullan Trust, Shelbyville, Kentucky -- to acquire Fort Knox National 

Bancorp, Inc., Radcliff, and thereby acquire Fort Knox National Bank; and for 

Citizens Union Bancorp of Shelbyville, Inc., Shelbyville, to acquire Fort Knox 

National Bancorp, Inc., Radcliff, and thereby acquire Fort Knox National Bank.

- Approved, April 30, 2007 

St. Louis

Maunesha Bancshares, Inc., Waterloo, Wisconsin -- to engage de novo in extending 

credit and servicing loans.

- Approved, April 30, 2007 

Chicago

Omni Financial Services, Inc., Atlanta, Georgia, and Omni National Bank -- waiver 

of application in connection with the proposed acquisition of Wilson State Bank, 

Wilson, Texas.

- Granted, May 4, 2007 

Atlanta

Omni National Bank, Atlanta, Georgia -- waiver of application in connection with 

the proposed acquisition of Wilson State Bank, Wilson, Texas.

- Granted, May 4, 2007 

Atlanta

Opportunity Bancshares, Inc., Richardson, Texas -- to become a bank holding 

company and to acquire Opportunity Bank, National Association.

- Approved, May 2, 2007 

Dallas

(AC) = Addition or Correction Delegated - Page 3 of 4
H.2 Actions under delegated authority April 29, 2007 to May 5, 2007

Bank Holding Companies

Sandy Spring Bancorp, Inc., Olney, Maryland -- to acquire CN Bancorp, Inc., Glen 

Burnie, and County National Bank; and for Sandy Spring Bank, Olney, to merge 

with County National Bank, and to operate branches at the existing locations of 

County National Bank.

- Approved, May 3, 2007 

Secretary

Bank Premises

The Bank at Broadmoor, Colorado Springs, Colorado -- to increase its investment in 

bank premises.

- Approved, May 2, 2007 

Kansas City

Change In Bank Control

Dickinson Financial Corporation II, Kansas City, Missouri -- to retain control of 

Dickinson Financial Corporation II.

- Permitted, May 3, 2007 

Secretary

RB Bancorporation, Athens, Alabama -- change in bank control.

- Permitted, May 4, 2007 

Atlanta

Extensions Of Time

S & T Bancorp, Inc., Indiana, Pennsylvania -- extension to July 31, 2007, to acquire 

up to 9.9 percent of the shares of CBT Financial Corporation, Clearfield.

- Granted, April 30, 2007 

Cleveland

Financial Holding Companies

F & M Bankshares, Inc., Marinette, Wisconsin -- election to become a financial 

holding company.

- Effective, May 4, 2007 

Chicago

(AC) = Addition or Correction Delegated - Page 4 of 4
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending May 5, 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 May 5, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 3A1

05/10/2007

05/04/2007

Banco Bilbao Vizcaya Argentaria, S.A.

("BBVA"), Bilbao, Spain, to acquire Compass

Bancshares, Inc., Birmingham, Alabama, and

thereby indirectly acquire its U.S. bank

subsidiaries, Compass Bank, Birmingham,

Alabama, and Central Bank of the South,

Anniston, Alabama.

In addition, Circle Merger Corp., Birmingham,

Alabama, a wholly-owned subsidiary of

Compass Bancshares, Inc., to become a bank

holding company by acquiring Compass

Bancshares Inc., for a moment in time, to

facilitate the acquisition of Compass

Bancshares,Inc. by BBVA.

Furthermore, Blue Transaction Corporation,

The Woodlands, Texas, a wholly-owned

subsidiary of BBVA, proposes to become a

bank holding company through the merger of

Circle Merger Corp., with and into Blue

Transaction Corporation.

BANCO BILBAO VIZCAYA

ARGENTARIA, S.A.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

30 days' prior notice by Citigroup Inc., New

York, New York, under Section 211.9(f) of

Regulation K to make an indirect investment

in excess of Citigroup's general consent limits

under Section 211.9(b) of Regulation K.

CITIGROUP INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Citizens Community Bancorp Inc., to acquire

100 percent of the voting shares of Citizens

Community Bank both of Ridgewood, New

Jersey.

Citizens Community Bancorp,

Inc.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

The Industrial and Commercial Bank of China,

Limited, Beijing, Peoples Republic of China is

applying to establish a branch in New York.

INDUSTRIAL AND

COMMERCIAL BANK OF

CHINA, LIMITED, THE

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Intesa Sanpaolo S.p.A., Turin, Italy, to retain

the federally licensed branch of former

Sanpoalo IMI, S.p.A., in New York, New

York.

INTESA SANPAOLO S.P.A.

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company 05/13/2007

requests approval to open and occupy a branch

to be located at 21877 Towne Center Drive ,

Town of Watertown, Jefferson County, New

York 13601.

MANUFACTURERS AND

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

* 3A1 Not available

05/21/2007

Orange County Bancorp, Inc., to acquire 100

percent of the voting shares of Orange County

Trust Company, both of Middletown, New

York.

Orange County Bancorp

* 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 5, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/21/2007

J. Donald Steele, Jr., and Joanne K. Steele,

Lewisburg, PA to purchase up to 35% of

Northumberland Bancorp, PA.

NORTHUMBERLAND

BANCORP

* 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 5, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 05/11/2007

establish a branch at 7574 North Western

Avenue, Chicago, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 05/11/2007

establish a branch at 100 South Halsted Street,

Chicago, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 05/11/2007

establish 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 05/04/2007

establish a branch at 2504 West Cermak Road,

Chicago, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 05/11/2007

establish a branch at 1255 Green Bay Road,

Wilmette, IL.

FIFTH THIRD 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 5, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 05/31/2007

05/31/2007

Chain Bridge Bancorp, Inc., McLean,

Virginia, to become a bank holding company

through the acquisition of 100% of the voting

securities of Chain Bridge Bank, National

Association, McLean, Virginia (in

organization).

CHAIN BRIDGE 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 5, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 05/25/2007

05/29/2007

Buckhead Community Bancorp, Inc., Atlanta,

Georgia, to merge with Allied Bancshares,

Inc., and thereby acquire its subsidiary, First

National Bank of Forsyth County, both of

Cumming, Georgia.

BUCKHEAD COMMUNITY

BANCORP, INC.

Newspaper:

Federal Register:

* 4c8

* 18C

* Branch

05/27/2007

05/31/2007

CapitalSouth Bancorp, Birmingham, Alabama

(Applicant), to acquire 100 percent of the

outstanding shares of Monticello Bancshares,

Inc., and its subsidiary, Monticello Bank, both

of Jacksonville, Florida, and thereby engage in

operating a savings association; and for

Applicant's subsidiary, CapitalSouth Bank,

Birmingham, Alabama, to merge with

Monticello Bank, Jacksonville, Florida.

CAPITALSOUTH BANCORP

Newspaper:

Federal Register:

* Branch

Not applicable

Covington County Bank, Andalusia, Alabama, 05/09/2007

to establish a branch located at 1290 N. Ferdon

Boulevard, Crestview, Florida.

COVINGTON COUNTY BANK

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Foothills Bank & Trust, Maryville, Tennessee,

to become a member of the Federal Reserve

System.

FOOTHILLS BANK & TRUST

Newspaper:

Federal Register:

4c8 Not applicable

Not available

GB&T Bancshares, Inc., Gainesville, Georgia,

to acquire 100 percent of the outstanding

shares of GB&T Mortgage, Inc., Cumming,

Georgia, and thereby engage de novo in

making, acquiring, brokering, or servicing

loans or other extensions of credit.

GB&T BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 05/09/2007

establish a branch located at Highway 441/27

and Rolling Acres, Lady Lake, Florida, to be

known as the Lady Lake Branch.

REGIONS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 05/16/2007

establish branches at the following locations:

4741 Military Trail, Jupiter, Florida, to be

known as the Abacoa Branch; 191 East Eau

Gallie, Melbourne (Satellite Beach), Florida, to

be known as the Eau Gallie Beachside Branch;

US Highway 41 and Miramar Avenue, Punta

Gorda, Florida, to be known as the Burnt Store

Branch; 600 S. Rosemary Avenue, West Palm

Beach, Florida, to be known as the West Palm

Beach Branch; 14795 Sunny Dell Lane,

Noblesville, Indiana, to be known as the Hazel

Dell Branch; and 5570 Highway 153,

Chattanooga, Tennessee, to be known as the

Highway 153 Branch.

REGIONS 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

147174 STERLING BK, LANTANA, FLORIDA 01/08/2007 04/25/2007 S Small Bank

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 5, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 05/21/2007

05/18/2007

Broadway Bancorp, Inc., Chicago, Illinois, to

become a bank holding company by acquiring

100 percent of the voting shares of Broadway

Bank, Chicago, Illinois.

BROADWAY BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 05/03/2007

two branch facilities to be located at 13000

Saratoga-Sunnyvale Road, Saratoga, California

and 955 J Street, San Diego, California.

COMERICA BANK

Newspaper:

Federal Register:

CIC Not available

05/24/2007

Notice by Randall R. Schwartz, Orland Park,

Illinois, to acquire 14.15 percent of the voting

shares of First Personal Financial Corp.,

Orland Park, Illinois, and thereby indirectly

acquire First Personal Bank, Orland Park,

Illinois.

FIRST PERSONAL FINANCIAL

CORP.

Newspaper:

Federal Register:

* 3A1 05/07/2007

05/03/2007

Fox River Financial Corporation, Burlington,

Wisconsin, to become a bank holding company

by acquiring 100 percent of the voting shares

of Fox River State Bank, Burlington,

Wisconsin.

FOX RIVER FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

06/04/2007

Midwest Banc Holdings, Inc., Melrose Park,

Illinois, to merge with Northwest Suburban

Bancorp, Inc., Mount Prospect, Illinois, and

thereby indirectly acquire Mount Prospect

National Bank, Mount Prospect, Illinois, and

the related application by Midwest Bank and

Trust Company, Elmwood Park, Illinois, to

merge with Mount Prospect National Bank,

Mount Prospect, Illinois, and thereby to

establish 5 branches.

MIDWEST BANC HOLDINGS,

INC.

Newspaper:

Federal Register:

* 3A3

Not available

Prairieland Bancorp Employee Stock 05/30/2007

Ownership Plan and Trust, Bushnell, Illinois,

to increase its ownership from 43.13 percent to

48.01 percent of Prairieland Bancorp, Inc.,

Bushnell, Illinois, and thereby indirectly

increase its ownership of Farmers and

Merchants State Bank, Bushnell, Illinois.

PRAIRIELAND BANCORP

EMPLOYEE STOCK

OWNERSHIP PLAN AND

TRUST

* 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 5, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 05/15/2007

05/18/2007

Notice by the Wilson-Gardner Family Control

Group, Jackson, Mississippi, to retain control

of Commerce Bancorp, Inc., Greenwood,

Mississippi. The Control Group consists of

Alice King Harrison, Forrest City, Arkansas;

Fred Gillaspy Wilson (individually and as sole

trustee of the Gardner Trust), Jackson,

Mississippi; John Frederick Wilson, Jackson,

Mississippi; Margaret Gardner Wilson,

Ridgeland, Mississippi; Margaret Wilson

Ethridge, Madison, Mississippi; Ermis King

Wilson, Sterlington, Louisiana; Edna Earl

Douglas, Memphis, Tennessee; Alison Wilson

Page, Sterlington, Louisiana; and Ermis M.

Wilson, Sterlington, Louisiana.

COMMERCE BANCORP, INC

Newspaper:

Federal Register:

* 3A3 05/27/2007

05/29/2007

Community First Bancshares, Inc., Harrison,

Arkansas ("Community"), to acquire additional

shares of White River Bancshares Company,

Fayetteville, Arkansas ("Bancshares"), and

thereby indirectly acquire Signature Bank,

Fayetteville, Arkansas. The acquisition will

result in Community retaining ownership of up

to 23.13 percent of Bancshares stock.

COMMUNITY FIRST

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 05/27/2007

05/29/2007

Home Bancshares, Inc., Conway, Arkansas

("Home"), to acquire additional shares of

White River Bancshares Company,

Fayetteville, Arkansas ("Bancshares"), and

thereby indirectly acquire Signature Bank,

Fayetteville, Arkansas. The acquisition will

result in Home retaining ownership of at least

20.0 percent of Bancshares stock.

HOME BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 05/03/2007

05/21/2007

Notice by Peter Mahurin, Bowling Green,

Kentucky, and Ben Lovell Cundiff, Cadiz,

Kentucky, individually and as members of a

group acting in concert, to gain control of

Jackson Financial Corporation, Mayfield,

Kentucky. The group consists of Messrs.

Mahurin and Cundiff, Damon Salvatore Vitale,

Bowling Green, Kentucky, and Charles Lester

Key, Franklin, Kentucky.

JACKSON FINANCIAL

CORPORATION

* 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

324854 BANK OF CROCKETT, BELLS, TENNESSEE 01/22/2007 04/20/2007 S Small 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 May 5, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

1st Bank, Sidney, Montana, to purchase certain

assets and assume certain liabilities of the

Broadus, Montana branch of Rocky Mountain

Bank, Billings, Montana, and incident thereto

proposes to establish a branch at 201 North

Wilber, Broadus, Montana.

1ST BANK

Newspaper:

Federal Register:

CIC Not available

05/17/2007

Notice by Archie Pecha, and Ardella Pecha,

both of Arcadia, Flordia, Terry Pecha,

Bloomer, Wisconsin, Todd Pecha, Bloomer,

Wisconsin, Cindy Dachel, Capitola, California,

Melanie Pecha Rubenzer, Bloomer, Wisconsin,

and Rhonda Prince, Bloomer, Wisconsin, to

retain control of Bloomer Bancshares, Inc.,

Bloomer, Wisconsin, and thereby indirectly

gain control of Peoples State Bank of Bloomer,

Bloomer, Wisconsin.

BLOOMER BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A1 05/21/2007

05/17/2007

First American Investment, Inc., Lake Elmo,

Minnesota to become a bank holding company

by acquiring 100 percent of First American

Bank, National Association, Hudson,

Wisconsin, a de novo bank.

FIRST AMERICAN

INVESTMENT, INC.

Newspaper:

Federal Register:

Member Not available

* 18C

* Branch

Not applicable

First National Bank of Lewistown, Lewistown,

Montana, to be known as First Bank of

Montana, Lewistown, Montana, proposes to

become a member of the Federal Reserve

System. In addition, First Bank of Montana,

Lewistown, Montana, to merge with Western

Bank of Chinook, N.A., Chinook, Montana,

and incident thereto proposes to establish a

branch at 327 Indiana Street, Chinook,

Montana.

FIRST NATIONAL BANK OF

LEWISTOWN

Newspaper:

Federal Register:

* 3A1 05/28/2007

05/24/2007

Reliance Bancorporation, Inc., Faribault,

Minnesota to become a bank holding company

by acquiring 100 percent of Reliance Bank,

Faribault, Minnesota, a de novo bank.

RELIANCE

BANCORPORATION, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

The Yellowstone Bank, Laurel, Montana, to 05/10/2007

establish a branch facility to be located at 1283

North 14th Avenue, Suite 201, Bozeman,

Montana.

YELLOWSTONE BANK, THE

* 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 5, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 05/20/2007

05/18/2007

Young Partners, L.P. and Young Corporation,

both of Chillicothe, Missouri, to indirectly

acquire, and Citizens Bancshares Co.,

Chillicothe, Missouri, to directly acquire

additional shares, for a total of 22.1 percent of

the voting stock of First Community

Bancshares, Inc., Overland Park, Kansas,

parent of First Community Bank, Lee's

Summit, Missouri.

CITIZENS BANCSHARES CO.

Newspaper:

Federal Register:

CIC Not available

05/07/2007

Notifications filed by Richard W. Willhour, Jr.,

Inola, Oklahoma and Tommy L. Woods,

Tulsa, Oklahoma, to individually control and

by Richard W. Willhour, Jr., Inola, Oklahoma;

Tommy L. Woods, Thomas J. O'Brien,

Matthew Q. Klimisch, and John R. Woolman,

all of Tulsa, Oklahoma; Stephen M. Murphy

and Curtis L. Roberts, both of Jenks,

Oklahoma, all acting as a group in concert to

acquire control of the voting common stock of

CNBO Bancorp, Inc., Pryor, Oklahoma, parent

of Century National Bank of Oklahoma, Pryor,

Oklahoma.

CNBO BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

04/10/2007

Notification by William Scott Martin Trust,

and William S. Martin, Miami Beach, Florida,

as trustee, to acquire control of Green Country

Bancorporation, Inc., parent of The First State

Bank, both in Ketchum, Oklahoma.

GREEN COUNTRY

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A1 Not available

05/14/2007

Midwest Regional Bancorp, Inc., Festus,

Missouri, to become a bank holding company

through the acquisition of 100 percent of the

voting shares of Federated Bancshares, Inc.,

Stilwell, Kansas, parent of The Bank of

Otterville, Otterville, Missouri.

MIDWEST REGIONAL

BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

06/04/2007

Southwest Bancorp, Inc., Stillwater,

Oklahoma, to acquire up to 100 percent of the

voting shares of Hart Food Stores, Inc.,

Hutchinson, Kansas, parent of Bank of Kansas,

South Hutchinson, Kansas.

SOUTHWEST BANCORP, 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 May 5, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

First Texas BHC, Inc., Fort Worth, Texas, to

acquire SWB Bancshares, Inc., Fort Worth,

Texas, and therefore indirectly acquire S W

Financial, Inc., Dover, Delaware, and

Southwest Bank, Fort Worth, Texas.

FIRST TEXAS BHC, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

HCSB, a state banking association, Plainview, 05/12/2007

Texas, to establish a branch to be located at

Dietert Center, 451 Guadalupe Street, Suite

204, Kerrville, Texas 78028.

HCSB, A STATE BANKING

ASSOCIATION

Newspaper:

Federal Register:

4c8 Not applicable

05/18/2007

Professional Capital, Inc., Dallas, Texas, to

engage in Management Consulting Activities

thru the BHC pursuant to Section

225.28(b)(i)(9)(A) of Regulation Y.

PROFESSIONAL CAPITAL,

INC.

Newspaper:

Federal Register:

* 3A1 05/23/2007

05/25/2007

Southwest Bancshares, Inc., San Antonio,

Texas, to become a bank holding company by

acquiring 100 percent of The Bank of San

Antonio, San Antonio, Texas (de novo).

SOUTHWEST BANCSHARES,

INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

TIB The Independent BankersBank, Irving,

Texas, to merge with South Bay Bank,

National Association, Torrance, California,

and to establish a branch to be located at 17011

Beach Boulevard, Suite 1260, Huntington

Beach, California.

TIB THE INDEPENDENT

BANKERSBANK

* 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 5, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Franklin Resources, Inc., San Mateo,

California, to retain 5.04 percent of TrustCo

Bank Corp NY, Glenville, New York, a

Federal Savings Bank, pursuant to section

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

section 225.28(b)(4) of Regulation Y.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Heritage Bank of Commerce, San Jose, 05/20/2007

California, to merge with Diablo Valley Bank,

Danville, California, and thereby acquire one

branch office.

HERITAGE BANK OF

COMMERCE

Newspaper:

Federal Register:

* 3A1 Not available

05/21/2007

Manhattan Bancorp to become a bank holding

company by acquiring 100 percent of Bank of

Manhattan, N.A. (In Organization), both of El

Segundo, California.

MANHATTAN BANCORP

* 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