Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 8 

Week Ending February 23, 2008

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

Monetary Policy Objectives -- statement by Chairman Bernanke before the House 

Committee on Financial Services on February 27, and before the Senate Committee 

on Banking, Housing, and Urban Affairs on February 28, 2008.

- Authorized, February 22, 2008

Bank Holding Companies

Frandsen Financial Corporation, Arden Hills, Minnesota -- to acquire First National 

Bank of Montgomery, Montgomery.

- Approved, February 22, 2008

Forms

Forms -- final Board review to extend with revision financial statements for bank 

holding companies and nonbank subsidiaries (FR Y-9C, FR Y-9LP, FR Y-9SP, FR 

Y-11, FR Y-11S, FR 2314, and FR 2314S) and reports of foreign banking 

organizations and Edge and agreement corporations (FR Y-7N, FR Y-7NS, and FR 

2886b).

- Approved, February 21, 2008

Forms -- final Board review to extend without revision reports on extensions of credit 

secured by margin stock (FR T-4, FR U-1, FR G-3, FR G-1, FR G-2, and FR G-4), 

the Annual Daylight Overdraft Capital Report for U.S. Branches and Agencies of 

Foreign Banks (FR 2225), and the Ongoing Intermittent Survey of Households (FR 

3016); and to extend with revision the Report of Net Debit Cap (FR 2226).

- Approved, February 21, 2008

H.2 Board Actions February 17, 2008 to February 23, 2008

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

Division of International Finance -- appointment of Thomas Connors and Steven 

Kamin as Deputy Directors; Joseph Gagnon, Michael Leahy, and Ralph Tryon as 

Associate Directors; Trevor Reeve and John Rogers as Deputy Associate Directors; 

Christopher Erceg and Linda Kole as Assistant Directors; Richard Freeman as Senior 

Adviser; and Mark Carey and Jane Haltmaier as Advisers, effective March 2, 2008.

- Approved, February 19, 2008

Division of Monetary Affairs -- appointment of James A. Clouse, Deborah J. Danker, 

and William B. English as Deputy Directors.

- Announced, February 21, 2008

Legal Division -- appointment of Mark E. Van Der Weide as Assistant General 

Counsel, effective March 2, 2008.

- Approved, February 19, 2008

Regulations And Policies

Monetary Policy -- report to Congress.

- Authorized, February 20, 2008

Enforcement

ANB Bancshares, Inc., Rogers, Arkansas -- written agreement with the Federal 

Reserve Bank of St. Louis.

- Announced, February 19, 2008

H.2 Board Actions February 17, 2008 to February 23, 2008

(A/C) = Addition or Correction Board - Page 2 of 2
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operational and Payment System

IF International Finance

OSDM Office of Staff Director for Management

February 17, 2008 to February 23, 2008

Bank Branches, Domestic

American Heritage Bank, Sapulpa, Oklahoma -- to establish a branch at State 

Highway 117 (West 121st Street South) and South Vancouver Avenue, Glenpool.

Kansas City

- Approved, February 19, 2008

Bank Holding Companies

ColoEast Bankshares, Inc., Lamar, Colorado -- waiver of application to acquire Eagle 

Banks, Inc., Stratton, in connection with the merger of their respective subsidiaries, 

Colorado East Bank & Trust, Lamar, and The First National Bank of Stratton, 

Stratton.

Kansas City

- Granted, February 21, 2008

Community State Bankshares, Inc., Lamar, Colorado -- to become a bank holding 

company and to acquire Community State Bank (in organization).

Kansas City

- Approved, February 22, 2008

First Farmers & Merchants Corporation, Columbia, Tennessee -- to retain Maury 

Tenn Properties, Inc. and thereby continue engaging in making, acquiring, or 

brokering loans or other extensions of credit.

Atlanta

- Approved, February 19, 2008

(A/C) = Addition or Correction Delegated - 1 of 3
Bank Holding Companies

Heartland Financial USA, Inc., Dubuque, Iowa -- to acquire shares of Minnesota 

Bank & Trust (in organization), Edina, Minnesota.

Chicago

- Approved, February 22, 2008

Metropolitan BancGroup, Inc., Ridgeland, Mississippi -- waiver of application to 

acquire PrimeTrust Bank, Nashville, Tennessee, in connection with the merger of 

PrimeTrust Bank with and into Metropolitan BancGroup's subsidiary, Metropolitan 

Bank (as successor to Bank of the South), Ridgeland, Mississippi.

Atlanta

- Granted, February 21, 2008

South Central Bancorp, Inc., Kinmundy, Illinois -- to become a bank holding 

company and to acquire The First National Bank of Kinmundy.

St. Louis

- Approved, February 22, 2008

TG Bancshares, Inc., Table Grove, Illinois -- to become a bank holding company and 

to acquire Table Grove State Bank.

Chicago

- Approved, February 15, 2008

(A/C)

Change In Bank Control

Sierra Bancorp, Porterville, California -- change in bank control of Bancorp and its 

subsidiary bank, Bank of the Sierra.

San Francisco

- Permitted, February 22, 2008

H.2 Actions under delegated authority February 17, 2008 to February 23, 2008

(A/C) = Addition or Correction Delegated - 2 of 3
Extensions Of Time

C-B-G, Inc., West Liberty, Iowa -- extension to May 24, 2008, to acquire additional 

shares of Washington Bancorp, Washington, and thereby increase its interest in 

Bancorp's subsidiary, Federation Bank.

Chicago

- Granted, February 20, 2008

PB Financial Corporation, Colleyville, Texas -- extension to April 11, 2008, to 

become a bank holding company and to acquire Peoples Bank.

Dallas

- Granted, February 21, 2008

Membership

Union Bank, National Association, Oklahoma City, Oklahoma -- to retain 

membership in the Federal Reserve System on conversion from a national to a state 

charter.

Kansas City

- Approved, February 22, 2008

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on January 29-30 and of 

the conference calls held on January 9 and 21, 2008.

FOMC

- Published, February 20, 2008

H.2 Actions under delegated authority February 17, 2008 to February 23, 2008

(A/C) = Addition or Correction Delegated - 3 of 3
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending February 23, 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 Second Quarter of 2008 (April 1, 2008 - June 30, 2008)

Institution Location

NORTHAMPTON CO-OP BK NORTHAMPTON, MASSACHUSETTS

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

Federal Reserve Bank of New York

Filings received during the week ending February 23, 2008

Filer Filing Type Filing Proposal End of Comment Period

CLS Bank International, New York, New York, an 

edge corporation, requests approval to amend 

its Articles of Association.

CLS BANK INTERNATIONAL Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

Tompkins Financial Corporation, Ithaca, New 

York, to acquire Sleepy Hollow Bancorp Inc., 

Sleepy Hollow, New York, and thereby acquire 

Sleepy Hollow Bank, Sleepy Hollow, New York.

TOMPKINS FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3

* 3A5 Not available

03/15/2008

* 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 Second Quarter of 2008 (April 1, 2008 - June 30, 2008)

Institution Location

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending February 23, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Susquehanna Bank DV, Bryn Mawr, PA 02/22/2008

proposes to establish a branch office located at 

One Market Street, Camden, NJ, pursuant to 

Section 9 of the FRA.

SUSQUEHANNA BANK DV

Newspaper:

Federal Register:

* Branch

Not applicable

Wilmington Trust Company, Wilmington, DE, 03/07/2008

proposes to establish a branch office located at 

600 Jimmy Drive, Smyrna, DE, pursuant to 

Section 9 of the FRA.

WILMINGTON TRUST 

COMPANY

* 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 Second Quarter of 2008 (April 1, 2008 - June 30, 2008)

Institution Location

AMERICAN BK ALLENTOWN, PENNSYLVANIA

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

Federal Reserve Bank of Cleveland

Filings received during the week ending February 23, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Thid Bank, Grand Rapids, MI to establish a 

branch at the southeast corner of State Route 54 

and Grand Boulevard, New Port Richey, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notices of Change in Bank Control 

filed by:

(1.) Jay L. Dunlap, Lincoln, NB to retain voting 

authority granted by proxy from Mark Dunlap 

over 58.25 shares or 55.48% of the outstanding 

voting shares of New Richmond 

Bancorporation, New Richmond, OH;

(2.) Samad Yaltaghian, Rusden, Northants, 

England, to acquire 46.75 shares or 45.52 

percent of the outstanding voting shares of 

New Richmond Bancorporation, New Richmond, 

OH;

(3.) Jay L. Dunlap, Lincoln, NB and Samad 

Yaltaghian, Rusden, Northants, England, in 

concert resulting from a proxy to vote 46.75 

shares or 45.52 percent of the outstanding 

voting shares of New Richmond 

Bancorporation, New Richmond, OH granted to 

Jay L. Dunlap by Samad Yaltaghian.

NEW RICHMOND 

BANCORPORATION

* 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

 368522 APOLLO TC, APOLLO, PENNSYLVANIA 12/03/2007 02/18/2008 S Small Bank

CRA Examinations scheduled for Second Quarter of 2008 (April 1, 2008 - June 30, 2008)

Institution Location

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

Federal Reserve Bank of Richmond

Filings received during the week ending February 23, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

4c8 Not available

Bank of America Corporation, Charlotte, North 

Carolina, to acquire 100% of the voting 

securities of Countrywide Financial 

Corporation, Calabasas, California, and thereby 

indirectly acquire 100% of the voting securities 

of Countrywide Bank, FSB, Alexandria, Virginia, 

and thereby engage in the business of 

operating a savings association.

BANK OF AMERICA 

CORPORATION

* 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 Second Quarter of 2008 (April 1, 2008 - June 30, 2008)

Institution Location

ALLIANCE BK CORP FAIRFAX, VIRGINIA

BAY CMNTY BK NEWPORT NEWS, VIRGINIA

FARMERS & MRCH BK OF CRAIG CTY NEW CASTLE, VIRGINIA

MONARCH BK CHESAPEAKE, VIRGINIA

RBC CENTURA BK RALEIGH, NORTH CAROLINA

UNION B&TC BOWLING GREEN, VIRGINIA

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

Federal Reserve Bank of Atlanta

Filings received during the week ending February 23, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Caixa de Aforros de Vigo, Ourense e 

Pontevedra, Vigo, Spain, to establish 

international bank branches in New York, New 

York, Chicago, Illinois, Los Angeles, California, 

and Houston, Texas.

CAIXA DE AFORROS DE VIGO, 

OURENSE E PONTEVEDRA

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 02/29/2008

establish a branch located at 102 South Tejon 

Street, Colorado Springs, Colorado, to be known 

as the Alamo Center Branch.

COMPASS BANK

Newspaper:

Federal Register:

CIC Not available

Not available

(08-039) Prior change in control notice filed by 

Citizens Investors, LLC, Savannah, Georgia, 

along with its members, Robert C. Bush, Winter 

Park, Florida; Garfield Langmuir-Logan, San 

Juan Capistrano, California; John A. Murphy, 

Richmond Hill, Georgia; Thomas P. Prince, 

Winter Park, Florida; Elsie R. Chisholm, Michael 

M. Dobbs, Jack Eades, Harvey J. Gilbert, 

Douglas A. Goldstein, Thomas J. Hussey, 

Michael J. Kistler, Richard G. Mopper, Patrick T. 

O'Connor, Jerry E. Russell, Mark V. Smith, 

Henry D. Stevens IV, Gerald M. Thorne, and 

Jeffrey R. Tucker, all of Savannah, Georgia, to 

acquire 100 percent of the outstanding shares of 

First Citizens Bankshares, and its subsidiary, 

First Citizens Bank, both of Glennville, Georgia.

FIRST CITIZENS BANKSHARES, 

INC.

Newspaper:

Federal Register:

* 3A5

Not available

First Guaranty Bancshares, Inc., Hammond, 03/07/2008

Louisiana, to merge with First Community 

Holding Company, and thereby acquire its 

subsidiary, First Community Bank, both of 

Hammond, Louisiana.

FIRST GUARANTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

03/14/2008

Silvergate Capital Corporation, to become a 

bank holding company by acquiring 100 percent 

of the outstanding shares of Silvergate Bank, 

both of La Jolla, California.

SILVERGATE CAPITAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

03/17/2008

Summit Financial Enterprises, Inc., to become a 

bank holding company through the acquisition 

of 100 percent of the outstanding shares of 

Summit Bank, N.A., Panama City, Florida (in 

organization).

SUMMIT FINANCIAL 

ENTERPRISES, INC.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Second Quarter of 2008 (April 1, 2008 - June 30, 2008)

Institution Location

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

Federal Reserve Bank of Chicago

Filings received during the week ending February 23, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Bancorp of New Glarus, Inc., New Glarus, 

Wisconsin, to acquire 100 percent of the voting 

shares of Bank of Juda, Juda, Wisconsin.

BANCORP OF NEW GLARUS, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

03/11/2008

Bank Iowa Corporation, West Des Moines, 

Iowa, to acquire up to 100 percent of Hansen 

Bancorporation, Lawler, Iowa and thereby 

indirectly acquire State Bank of Lawler, New 

Hampton, Iowa.

BANK IOWA CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Jeffrey A. Mueller, Cascade, 

Wisconsin, to acquire 100 percent of the 

outstanding common stock of Collins Bankcorp, 

Inc., Collins, Wisconsin, and thereby indirectly 

acquire control of Collins State Bank, Collins, 

Wisconsin.

COLLINS BANKCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

03/21/2008

Community State Bank Employee Stock 

Ownership Plan and Trust, Union Grove, 

Wisconsin, to acquire an additional 8,124 

shares, or up to 40.0 percent, of the outstanding 

shares of Union Bancoporation, Inc., Union 

Grove, Wisconsin, and thereby indirectly 

increase its control of Community State Bank, 

Union Grove, Wisconsin.

COMMUNITY STATE BANK 

EMPLOYEE STOCK OWNERSHIP 

PLAN AND TRUST

Newspaper:

Federal Register:

* 3A1 Not available

03/14/2008

First Fontanelle Employee Stock Ownership 

Plan and Trust, Fontanelle, Iowa, to become a 

bank holding company by acquiring 30.76 

percent of First Fontanelle Bancorporation, 

Fontanelle, Iowa, and thereby indirectly acquire 

First National Bank, Greenfield, Iowa.

FIRST FONTANELLE EMPLOYEE 

STOCK OWNERSHIP PLAN AND 

TRUST

Newspaper:

Federal Register:

* 3A1 Not available

02/25/2008

NRBC Holding Corporation, Chicago, Illinois, to 

become a bank holding company by acquiring 

100 percent of the voting shares of The National 

Republic Bank of Chicago, Chicago, Illinois.

NRBC HOLDING CORPORATION

* 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 Second Quarter of 2008 (April 1, 2008 - June 30, 2008)

Institution Location

AMERICAN T&SB DUBUQUE, IOWA

BANK IA OSKALOOSA, IOWA

CENTRUE BK STREATOR, ILLINOIS

CHEMICAL BK MIDLAND, MICHIGAN

CITIZENS BK FLINT, MICHIGAN

COMMUNITY BK ELMHURST ELMHURST, ILLINOIS

COMMUNITY FIRST BK BOSCOBEL, WISCONSIN

COMMUNITY FIRST BK CHICAGO CHICAGO, ILLINOIS

FIRST BK OF BERNE BERNE, INDIANA

FIRST T&SB WATSEKA WATSEKA, ILLINOIS

FIRST WI B&TC BROOKFIELD, WISCONSIN

IOWA ST BK HULL, IOWA

IRWIN UNION B&TC COLUMBUS, INDIANA

M&I MARSHALL & ILSLEY BK MILWAUKEE, WISCONSIN

NORTHERN TC CHICAGO, ILLINOIS

PREMIER BK DUBUQUE, IOWA

STATE BK SPENCER, IOWA

STATE BK THE LAKES ANTIOCH, ILLINOIS

TOWN & CNTRY BK SPRINGFIELD SPRINGFIELD, ILLINOIS

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

Federal Reserve Bank of Chicago

TOWN BK HARTLAND, WISCONSIN

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

Federal Reserve Bank of St. Louis

Filings received during the week ending February 23, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

Not available

Parkside Financial, Inc., Clayton, Missouri, to 03/23/2008

become a bank holding company by acquiring 

100 percent of Parkside Financial Bank & Trust, 

Clayton, Missouri (in organization).

PARKSIDE FINANCIAL, 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 Second Quarter of 2008 (April 1, 2008 - June 30, 2008)

Institution Location

BANK OF EVANSVILLE EVANSVILLE, INDIANA

BANK OF FAYETTEVILLE FAYETTEVILLE, ARKANSAS

FARMERS & MERCHANTS BK STUTTGART, ARKANSAS

FARMERS BK PARSONS, TENNESSEE

FIRST CITIZENS BK ELIZABETHTOWN, KENTUCKY

LEGACY BK & TR CO PLATO, MISSOURI

TRIUMPH BK MEMPHIS, TENNESSEE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending February 23, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/04/2008

Notice by Lloyd O. Olson, Lake Park, 

Minnesota, to retain 10 percent or more of the 

shares of Lake Park Bancshares, Inc., Lake Park, 

Minnesota, and thereby indirectly retain control 

of State Bank of Lake Park, Lake Park, 

Minnesota.

LAKE PARK BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 02/29/2008

03/04/2008

Mills Financial Services, Inc., Brainerd, 

Minnesota, to become a bank holding company 

by acquiring 100 percent of First Security Bank - 

Sanborn, Sanborn, Minnesota.

MILLS FINANCIAL SERVICES 

INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Second Quarter of 2008 (April 1, 2008 - June 30, 2008)

Institution Location

BANK OF GLEN ULLIN GLEN ULLIN, NORTH DAKOTA

CITIZENS ST BK OF ONTONAGON ONTONAGON, MICHIGAN

DACOTAH BK ABERDEEN, SOUTH DAKOTA

FARMERS ST BK OF MADELIA MADELIA, MINNESOTA

FIRST BK MT LEWISTOWN, MONTANA

FIRST WESTERN B&T EDEN PRAIRIE, MINNESOTA

FIRST WESTERN B&TC MINOT, NORTH DAKOTA

YELLOWSTONE BK LAUREL, MONTANA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending February 23, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The Community State Bank, Poteau, Oklahoma, 02/29/2008

to establish a branch at 902 Dallas Street, 

Talihina, Oklahoma.

COMMUNITY STATE BANK, 

THE

Newspaper:

Federal Register:

* 3A1 Not available

03/21/2008

FBHC Holding Company, to become a bank 

holding company through the acquisition of 100 

percent of the voting shares of FlatIrons Bank 

Holding Company, parent of FlatIrons Bank, all 

of Boulder, Colorado.

FBHC HOLDING COMPANY

Newspaper:

Federal Register:

CIC 02/27/2008

02/21/2008

Notice by Kelly J. Schoen to acquire control of 

Freedom Bancshares, Inc., parent of Freedom 

Bank, all of Overland Park, Kansas, through the 

acquisition of voting shares.

FREEDOM BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

03/21/2008

International Brotherhood of Boilermakers, Iron 

Ship Builders, Blacksmiths, Forgers and 

Helpers, Kansas City, Kansas, to acquire, over a 

period of 60 months, up to 47.5 percent of the 

voting shares of Brotherhood Bancshares, Inc., 

parent of Brotherhood Bank & Trust Company, 

both in Kansas City, Kansas.

INTERNATIONAL 

BROTHERHOOD OF 

BOILERMAKERS, IRON SHIP 

BUILDERS, BLACKSMITHS, 

FORGERS AND HELPERS

Newspaper:

Federal Register:

CIC 03/05/2008

03/10/2008

Notice by Jeffrey C. Royal, as an individual; and 

by Jeffrey C. Royal, Robert Royal, and John 

Holm, all of Omaha, Nebraska, as part of a group 

acting in concert, to acquire control of Mackey 

Banco, Inc., parent of Security State Bank, both 

in Ansley, Nebraska, through the acquisition of 

voting shares.

MACKEY BANCO, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Prime Bank, Edmond, Oklahoma, (in 

organization)to become a member of the Federal 

Reserve System.

PRIME BANK

Newspaper:

Federal Register:

* 3A1 Not available

03/17/2008

Prime Bank Group, Inc., to become a bank 

holding company through the acquisition of 100 

percent of the voting shares of Prime Bank, (in 

organization), both in Edmond, Oklahoma.

PRIME BANK GROUP, INC.

Newspaper:

Federal Register:

CIC

Not available

Notice by Lawrence W. Stanosheck, Odell, 03/10/2008

Nebraska; James B. Stanosheck, Odell, 

Nebraska; Karen J. Nannen, Randolph, 

Nebraska; and Mary Ellen Watkins, Aptos, 

California; all as a members of a family group, to 

acquire control of S. & S. Investment Company, 

parent of State Bank of Odell, both in Odell, 

Nebraska, through the acquisition of voting 

shares.

S. & S. INVESTMENT COMPANY

Newspaper:

Federal Register:

CIC Not available

03/12/2008

Notice by Keela Terry, Weatherford, Oklahoma, 

as a member of the Harrel family group, to 

acquire control of Western Oklahoma 

Bancshares, Inc., parent of Bank of Western 

Oklahoma, both in Elk City, Oklahoma, through 

the acquisition of voting shares.

WESTERN OKLAHOMA 

BANCSHARES, 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

 625850 BANK OF VERSAILLES, VERSAILLES, MISSOURI 10/29/2007 02/04/2008 S Int Sm Bank

 3448425 COMMUNITY BK, PLEASANT HILL, MISSOURI 11/13/2007 02/04/2008 S Small Bank

 368951 KAW VALLEY ST B&TC, WAMEGO, KANSAS 11/05/2007 02/06/2008 S Small Bank

CRA Examinations scheduled for Second Quarter of 2008 (April 1, 2008 - June 30, 2008)

Institution Location

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

Federal Reserve Bank of Dallas

Filings received during the week ending February 23, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

03/21/2008

FBS Financial, Inc., Houston, Texas, to become 

a bank holding company by acquiring 100 

percent of Snook Bancshares, Inc., Snook, 

Texas, and indirectly acquire First Bank of 

Snook, Snook, Texas.

FBS FINANCIAL, INC.

Newspaper:

Federal Register:

* 3A1 03/16/2008

03/17/2008

National Bank & Trust Employee Stock 

Ownership Plan With 401(k) Provisions, La 

Grange, Texas, to become a bank holding 

company by acquiring up to 26 percent of First 

La Grange Bancshares, Inc., La Grange, Texas, 

and indirectly acquire National Bank & Trust, La 

Grange, Texas.

NATIONAL BANK & TRUST 

EMPLOYEE STOCK OWNERSHIP 

PLAN WITH 401(K) PROVISIONS

* 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 Second Quarter of 2008 (April 1, 2008 - June 30, 2008)

Institution Location

FIRST BK BURKBURNETT, TEXAS

WELLINGTON ST BK WELLINGTON, TEXAS

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

Federal Reserve Bank of San Francisco

Filings received during the week ending February 23, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

NHB Holdings, Inc., and Proficio Mortgage 

Ventures, LLC, both of Jacksonville, Florida, to 

engage de novo in a joint venture with Capital 

Relocation Mortgage, Sterling, Virginia, in 

conducting mortgage banking activities, 

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

Company Act and section 225.28(b)(1) of 

Regulation Y.

NHB HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A1

4c8 Not available

Porter Mountain III, LLLP, to: 1) become a bank 03/19/2008

holding company by acquiring up to 30 percent 

of Grand Valley Corporation, both of Grand 

Junction, Colorado, and indirectly its 

subsidiary, Grand Valley National Bank, Heber 

City, Utah, pursuant to section 3(a)(1) of the 

Bank Holding Company Act; and 2) to engage 

de novo, indirectly, in extending credit and 

servicing loans pursuant to section 4(c)(8) of 

the Bank Holding Company Act, and section 

225.28(b)(1) of Regulation Y.

PORTER MOUNTAIN III, LLP

Newspaper:

Federal Register:

* 3A3 03/17/2008

02/22/2008

UCBH Holdings, Inc., San Francisco, California, 

to acquire up to 6.52 percent of First American 

International Corporation, and thereby 

indirectly its subsidiary, First American 

International Bank, both of Brooklyn, New York.

UCBH HOLDINGS, INC.

* 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 Second Quarter of 2008 (April 1, 2008 - June 30, 2008)

Institution Location

NORTH VALLEY BK REDDING, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act