Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 47 

Week Ending November 24, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
Board Operations

Division of Information Technology -- appointment of Geary L. Cunningham and 

Sharon L. Mowry as Deputy Directors, Wayne A. Edmondson as Associate Director, 

and Kofi A. Sapong and Lisa M. Bell as Assistant Directors.

- Approved, November 21, 2007

Enforcement

Putnam County Bank, Hurricane, West Virginia -- written agreement dated 

November 19, 2003, terminated November 13, 2007.

- Announced, November 21, 2007

H.2 Board Actions November 18, 2007 to November 24, 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

November 18, 2007 to November 24, 2007

Bank Branches, Domestic

Arvest Bank, Fayetteville, Arkansas -- to purchase the assets and assume the 

liabilities of the Grove, Oklahoma, branch of Grand Bank, Tulsa, and to consolidate 

the facility with an Arvest Bank branch. 

St. Louis

- Approved, November 19, 2007

Bank of Hawaii, Honolulu, Hawaii -- to establish an in-store branch at Star Markets 

Mililani, 95-1249 Meheula Parkway, Mililani.

San Francisco

- Approved, November 20, 2007

Cole Taylor Bank, Chicago, Illinois -- to establish a branch at 20 S. Clark Street.

Chicago

- Approved, November 21, 2007

Comerica Bank, Detroit, Michigan -- to establish branches at 2416 Central Avenue, 

Alameda, California, and 1200 Broadway, Oakland.

Secretary

- Approved, November 21, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 766 North Sun 

Drive, Lake Mary, Florida.

Cleveland

- Approved, November 21, 2007

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Branches, Domestic

Liberty Bank, South San Francisco, California -- to establish a branch at 6222 

Highway 9, Felton.

San Francisco

- Approved, November 21, 2007

Manufacturers and Traders Trust Company, Buffalo, New York -- to purchase certain 

assets and assume certain liabilities of twenty branches of First Tennessee Bank 

National Association Memphis, Memphis, Tennessee, and to establish branches of 

M&T Bank at four locations in Maryland and nine locations in Virginia.

Secretary

- Approved, November 21, 2007

Second Bank & Trust, Fredericksburg, Virginia -- to establish a branch at 3900 

Westerre Parkway, Suite 102, Richmond.

Richmond

- Approved, November 23, 2007

Bank Holding Companies

The Bank of New York, New York, New York; and Mellon Bank, N.A., Pittsburgh, 

Pennsylvania -- waiver of remainder of notification period for The Bank of New 

York and Mellon Bank, N.A. to make additional investments in BNY Mellon GSS 

Acquisition Company, Amsterdam, Netherlands; and for Mellon to invest in GSS 

Holdings S.a.r.l., Luxembourg, Luxembourg.

Director, BS&R

- Granted, November 19, 2007

H.2 Actions under delegated authority November 18, 2007 to November 24, 2007

(A/C) = Addition or Correction Delegated - 2 of 5
Bank Holding Companies

Belvedere Capital Fund II L.P. and Belvedere Capital Partners II LLC, San 

Francisco, California -- to acquire through their subsidiary, Belvedere SoCal, all the 

shares of Spectrum Bank, Irvine.

Secretary

- Approved, November 23, 2007

Camden National Corporation, Camden, Maine -- waiver of application to acquire 

Union Bankshares Company, Ellworth, and its subsidiary bank, Union Trust 

Company.

Boston

- Granted, November 20, 2007

Capitol Bancorp, Ltd. and Capital Development Bancorp Limited VI, Lansing, 

Michigan -- to acquire additional interests in Bank of Fort Bend (in organization), 

Sugar Land, Texas, and thereby operate a savings association.

Chicago

- Approved, November 20, 2007

First Interstate BancSystem, Inc., Billings, Montana -- to acquire First Western Bank, 

Wall, South Dakota, and The First Western Bank Sturgis, Sturgis.

Secretary

- Approved, November 20, 2007

Meridian Financial Services, Incorporated and Meridian Interstate Bancorp, Inc., 

Boston, Massachusetts -- relief from commitments related to a proposed issuance of 

stock by a bank holding company owned by a mutual holding company.

Director, BS&R

- Granted, November 21, 2007

H.2 Actions under delegated authority November 18, 2007 to November 24, 2007

(A/C) = Addition or Correction Delegated - 3 of 5
Bank Mergers

Home Bancshares, Inc., Conway, Arkansas -- to merge with Centennial Bancshares, 

Inc., Little Rock, and thereby indirectly acquire Centennial Bank, Kingsland.

St. Louis

- Approved, November 19, 2007

Change In Bank Control

First Financial Services, Inc., Falls City, Nebraska -- change in bank control of the 

parent company of First National Bank and Trust Company.

Kansas City

- Permitted, November 21, 2007

Extensions Of Time

C-B-G, Inc., West Liberty, Louisiana -- extension to February 24, 2008, to increase 

its investment in Washington Bancorp, Washington, Iowa, and thereby increase its 

indirect interest in Federation Bank.

Chicago

- Granted, November 20, 2007

Kilgore National Financial Corporation, Kilgore, Texas -- extension to February 1, 

2008, to become a bank holding company and to acquire Kilgore National Bank.

Dallas

- Granted, November 19, 2007

Financial Holding Companies 

Highlands Independent Bancshares, Inc., Sebring, Florida -- election to become a 

financial holding company.

Atlanta

- Approved, November 19, 2007

H.2 Actions under delegated authority November 18, 2007 to November 24, 2007

(A/C) = Addition or Correction Delegated - 4 of 5
Financial Holding Companies 

HSBC Holdings plc, New York, New York -- to indirectly acquire control of KEB 

USA International Corp. and KEB NY Financial Corp. and KEB LA Financial Corp., 

Los Angeles, California, and thereby engage in commercial finance and money 

transmittal and servicing activities.

New York

- Approved, November 23, 2007

Membership

The First National Bank of Blue Earth, Blue Earth, Minnesota -- to become a 

member of the Federal Reserve System d/b/a First Bank Blue Earth.

Minneapolis

- Approved, November 21, 2007

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting held on October 30-31, 

2007.

FOMC

- Published, November 20, 2007

H.2 Actions under delegated authority November 18, 2007 to November 24, 2007

(A/C) = Addition or Correction Delegated - 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending November 24, 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 First Quarter of 2008 (January 1, 2008 - March 31, 2008)

Institution Location

MEDWAY CO-OP BK MEDWAY, MASSACHUSETTS

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

Federal Reserve Bank of New York

Filings received during the week ending November 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

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:

* 3A3 Not available

12/10/2007

BNP Paribas, Paris, France, to acquire up to 9.9 

percent of the voting shares of Shinhan 

Financial Group Co., Ltd., Seoul, Korea

BNP PARIBAS

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Canandaigua National Corporation, 

Canandaigua, New York to acquire all of the 

outstanding stock of Genesee Valley Trust 

Company, Pittsford, New York

CANANDAIGUA NATIONAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Notice of Change in Bank Control, pursuant to 

the Change in Bank Control Act of 1978, as 

amended, by Lawrence B. Seidman, Seidman 

and Associates, LLC, Seidman Investment 

Partnership, LP, Seidman Investment 

Partnership II, LP, Broad Park Investors, LLC, 

Chewy Gooey Cookies, LP, Berggruen Holdings 

North America Ltd., Dennis Pollack, Harold 

Schechter, Raymond Vanaria and LSBK 06-08, 

LLC(collectivelly, Applicants"), to acquire up to 

24.83% of Center Bancorp, Inc. Union, New 

Jersey.

CENTER BANCORP, INC.

Newspaper:

Federal Register:

* 4c8 Not available

12/20/2007

Investors Bancorp, MHC and Investors 

Bancorp, Inc., both of Short Hills, New Jersey to 

acquire Summit Federal Bankshares, MHC, and 

its wholly-owned subsidiary, Summit Federal 

Bankshares, Inc., and its indirect wholly-owned 

subsidiary, Summit Federal Savings Bank, all of 

Summit, New Jersey.

INVESTORS BANCORP, MHC

* 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 First Quarter of 2008 (January 1, 2008 - March 31, 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 November 24, 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

 868817 OMEGA BK, STATE COLLEGE, PENNSYLVANIA 06/25/2007 11/19/2007 S Large Bank

CRA Examinations scheduled for First Quarter of 2008 (January 1, 2008 - March 31, 2008)

Institution Location

LAFAYETTE AMBASSADOR BK EASTON, PENNSYLVANIA

STERLING BK MOUNT LAUREL, NEW JERSEY

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

Federal Reserve Bank of Cleveland

Filings received during the week ending November 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Prior Notice of KEFI's intent to invest up to $131 

million in Key Equipment Finance Europe 

Limited, Berkshire, England, United Kingdom

KEY EQUIPMENT FINANCE 

INTERNATIONAL INC.

Newspaper:

Federal Register:

CIC 12/05/2007

12/10/2007

Notice of Change in Bank Control filed by 

Samad Yaltaghian, Rushden, Northants, 

England, of his intent to acquire 46.75 shares or 

44.52% of the voting shares outstanding of New 

Richmond Bancorporation, Inc., New Richmond, 

OH.

NEW RICHMOND 

BANCORPORATION

Newspaper:

Federal Register:

CIC 12/05/2007

12/10/2007

Notice of Change in Control filed by Jay L. 

Dunlap, Lincoln, NE to retain voting rights over 

58.25 shares or 55.48% of the voting shares 

outstanding of New Richmond Bancorporation, 

Inc., New Richmond, OH through August 1, 

2009, as a result of the continuation of the proxy 

granted by Mark Dunlap, Naples, FL.

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

NONE

CRA Examinations scheduled for First Quarter of 2008 (January 1, 2008 - March 31, 2008)

Institution Location

MINSTER BK MINSTER, OHIO

STATE B&TC DEFIANCE, OHIO

WESTERN RESERVE BK MEDINA, OHIO

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

Federal Reserve Bank of Richmond

Filings received during the week ending November 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Gateway Bank & Trust Co., Elizabeth City, 12/03/2007

North Carolina, proposes to establish a branch 

at 204 Albemarle Square, Charlottesville, 

Virginia.

GATEWAY BANK & TRUST CO.

* 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 First Quarter of 2008 (January 1, 2008 - March 31, 2008)

Institution Location

BANK OF CURRITUCK MOYOCK, NORTH CAROLINA

COMMUNITY BK OF TRI-CTY WALDORF, MARYLAND

FAUQUIER BK WARRENTON, VIRGINIA

HIGHLANDS UNION BK ABINGDON, VIRGINIA

SECOND B&TC CULPEPER, VIRGINIA

SUFFOLKFIRST BK SUFFOLK, VIRGINIA

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

Federal Reserve Bank of Atlanta

Filings received during the week ending November 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank Independent, Sheffield, Alabama, to 11/24/2007

establish a branch located at the northeast 

corner of Highway 72 and Nance Road, 

Huntsville, Alabama.

BANK INDEPENDENT

Newspaper:

Federal Register:

* Branch

Not applicable

Foothills Bank & Trust, Maryville, Tennessee, 11/30/2007

to establish a branch located at 214 Keller Lane, 

Maryville, Tennessee.

FOOTHILLS BANK & TRUST

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Metropolitan BancGroup, Inc., Ridgeland, 

Mississippi, to become a bank holding company 

by acquiring 100 percent of the outstanding 

shares of BancSouth Financial Corporation, and 

thereby acquire its subsidiary, Bank of the 

South, both of Crystal Springs, Mississippi.

METROPOLITAN BANCGROUP, 

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 12/01/2007

branch located at 10331 SW Village Center 

Drive, Port St. Lucie, Florida, to be known as the 

Town of Tradition Office.

SUNTRUST 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 First Quarter of 2008 (January 1, 2008 - March 31, 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 November 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

1st Source Bank, South Bend, Indiana, to merge 

with First National Bank of Valparaiso, 

Valparaiso, Indiana, and thereby to establish 17 

branches.

1ST SOURCE BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Black River BancVenture, Inc., Memphis, 

Tennessee, to become a bank holding company 

by acquiring 49.9 percent of the voting shares 

of Michigan Community Bancorp, Ltd., Sterling 

Heights, Michigan, and thereby indirectly 

acquire Lakeside Community Bank, Sterling 

Heights, Michigan.

Black River BancVenture, Inc.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Black River BancVenture, Inc., Memphis, 

Tennessee, to become a bank holding company 

by acquiring 49.9 percent of the voting shares 

of Community Shores Bank Corp., Muskegon, 

Michigan, and thereby indirectly acquire 

Community Shores Bank, Muskegon, Michigan.

Black River BancVenture, Inc.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Black River BancVenture, Inc., Memphis, 

Tennessee, to become a bank holding company 

by acquiring 49.9 percent of the voting shares 

of Allegiance Bank of North America, Inc., Bala 

Cynwyd, Pennsylvania.

Black River BancVenture, Inc.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Bridgeview Bancorp, Inc., Bridgeview, Illinois, 

proposes to engage de novo in extending credit 

and servicing loans.

BRIDGEVIEW BANCORP, INC.

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:

* Branch

Not applicable

Johnson Bank, Racine, Wisconsin, to establish 11/19/2007

a branch facility to be located at 310 S.E. 4th 

Street, Fort Atkinson, Wisconsin.

JOHNSON BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 

Wisconsin, to merge with First Indiana Bank, 

National Association, Indianapolis, Indiana, and 

thereby to establish 32 branches.

M&I MARSHALL & ILSLEY 

BANK

Newspaper:

Federal Register:

* Branch

Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 11/23/2007

Wisconsin, to establish branches at the 

following locations: (1) Greenfield Road and 

Baseline Road, Mesa, Arizona, (2) 67th Avenue 

and Happy Road, Peoria, Arizona, and (3) 

Maricopa Road and Smith-Enke Boulevard. 

Maricopa, Arizona.

M&I MARSHALL & ILSLEY 

BANK

* 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. 

RSSD 

ID Institution/Location Exam Date 

CRA 

Public Date 

CRA 

Rating Exam Method 

NONE 

CRA Examinations scheduled for First Quarter of 2008 (January 1, 2008 – March 31, 2008) 

Institution Location 

AMERICAN TRUST & SAVINGS BANK DUBUQUE, IOWA 

BANK OF OAKFIELD OAKFIELD, WISCONSIN 

CEDAR RAPIDS BANK & TRUST CEDAR RAPIDS, IOWA 

CITIZENS BANK FLINT, MICHIGAN 

FIRST CHICAGO BANK & TRUST ITASCA, ILLINOIS 

FIRST WISCONSIN BANK & TRUST BROOKFIELD, WISCONSIN 

LAPEER COUNTY BANK & TRUST LAPEER, MICHIGAN 

METABANK STUART, ILLINOIS 

MIDWEST BANK AND TRUST ELMWOOD PARK, ILLINOIS 

MIDWEST BANK WESTERN MONMOUTH, ILLINOIS 

PREMIER BANK DUBUQUE, IOWA 

STATE BANK OF VIROQUA VIROQUA, WISCONSIN 

TOWN BANK DELAFIELD, WISCONSIN 

WAYNE BANK & TRUST CAMBRIDGE CITY, INDIANA 
District: 8

Federal Reserve Bank of St. Louis

Filings received during the week ending November 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Not available

Farmers & Merchants Bankshares, Inc., 12/21/2007

Stuttgart, Arkansas, to acquire 100 percent of 

Perry County Bancshares, Inc., Perryville, 

Arkansas, and thereby indirectly acquire Chart 

Bank, Perryville, Arkansas.

FARMERS AND MERCHANTS 

BANKSHARES, 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

 242 FIRST CMNTY BK XENIA FLORA, XENIA, ILLINOIS 08/27/2007 11/14/2007 S Small Bank

 773247 MIDLAND ST BK, EFFINGHAM, ILLINOIS 08/06/2007 11/12/2007 S Int Sm Bank

CRA Examinations scheduled for First Quarter of 2008 (January 1, 2008 - March 31, 2008)

Institution Location

BANK OF EVANSVILLE EVANSVILLE, INDIANA

BANK OF IBERIA IBERIA, MISSOURI

CITIZENS B&TC VAN BUREN, ARKANSAS

CITIZENS BK HARTFORD, KENTUCKY

CITIZENS BK BATESVILLE, ARKANSAS

FARMERS BK & CAPITAL TC FRANKFORT, KENTUCKY

FIRST CITIZENS BK ELIZABETHTOWN, KENTUCKY

FIRST SECURITY BK OF CONWAY CONWAY, ARKANSAS

PATRIOT BK MILLINGTON, TENNESSEE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending November 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

12/20/2007

Klein Financial, Inc., Chaska, Minnesota, to 

acquire First Community Bank, Savage, 

Minnesota.

KLEIN FINANCIAL, INC.

Newspaper:

Federal Register:

CIC 12/01/2007

12/10/2007

Notice by Richard Tucker Plumstead Revocable 

Trust, Richard Tucker Plumstead as trustee and 

individually; Richard Tucker Plumstead IRA; 

Vicki L. Turnquist Revocable Trust, Vicki L. 

Turnquist as trustee and individually; Vicki L. 

Turnquist IRA; and Vicki L. Turnquist 

Simplified Employee Pension Plan; all of 

Minneapolis, Minnesota, as a group acting in 

concert, to retain 10 percent or more of the 

shares of Private Bancorporation, Inc., 

Minneapolis, Minnesota, and thereby indirectly 

retain control of Private Bank Minnesota, 

Minneapolis, Minnesota.

PRIVATE BANCORPORATION, 

INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 157650 CROW RIVER ST BK, DELANO, MINNESOTA 07/23/2007 11/09/2007 S Small Bank

 659855 FIRST INTRST BK, BILLINGS, MONTANA 06/04/2007 11/08/2007 O Large Bank

 705958 KANABEC ST BK, MORA, MINNESOTA 07/30/2007 11/20/2007 S Small Bank

CRA Examinations scheduled for First Quarter of 2008 (January 1, 2008 - March 31, 2008)

Institution Location

AMERICAN BK SAINT PAUL, MINNESOTA

CITIZENS ST BK OF ONTONAGON ONTONAGON, MICHIGAN

FARMERS ST BK OF MADELIA MADELIA, MINNESOTA

FIRST NB OF LEWISTOWN LEWISTOWN, MONTANA

FIRST ST BK SOUTHWEST PIPESTONE, MINNESOTA

FIRST WESTERN BK EDEN PRAIRIE, MINNESOTA

PEOPLES BK WI HAYWARD, WISCONSIN

PLAZA PARK ST BK WAITE PARK, MINNESOTA

RIDGEDALE ST BK MINNETONKA, MINNESOTA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending November 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/21/2007

Notice filed by the 2007 Voting Trust 

Agreement, and its trustees, Albert Charles 

Kelly, Jr. and Peter John Kelly, both of Bristow, 

Oklahoma; Shawn Trevor Kelly, Edmond, 

Oklahoma; Paul Harrison Cornell, Tulsa, 

Oklahoma; and Allison Asbury Kelly, Okemah, 

Oklahoma, all to acquire control of Citizens 

Bankshares, Inc., Okemah, Oklahoma, parent of 

Citizens State Bank, Okemah, Oklahoma.

CITIZENS BANKSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Jose L. Evans and Denise K. Evans, 

both of Kansas City, Missouri, (acting jointly) 

and David L. Johnson and Sandra L. Castetter, 

both of Kansas City, Missouri, (acting jointly), 

and together acting in concert, to acquire 

control of First Missouri Bancshares, Inc., 

parent of First Missouri National Bank, both in 

Brookfield, Missouri, through the acquisition of 

voting shares.

FIRST MISSOURI BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

4c8 12/17/2007

Harker Investments, LLLP, Denver, Colorado, to 

become a bank holding company and to engage 

in selling credit life insurance through the 

acquisition of 100 percent of the voting shares 

of The Kit Carson Insurance Agency, Inc., 

parent of Kit Carson State Bank, both in Kit 

Carson, Colorado.

HARKER INVESTMENTS, LLLP

Newspaper:

Federal Register:

CIC Not available

12/14/2007

Notice by Max T. Wake, Lincoln, Nebraska and 

Elizabeth B. Wake, San Francisco, California, to 

acquire control of Jones National Corporation, 

parent of The Jones National Bank & Trust 

Company of Seward, both in Seward, Nebraska, 

through the acquisition of voting shares.

JONES NATIONAL 

CORPORATION

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 701950 KCB BK, KEARNEY, MISSOURI 08/20/2007 11/07/2007 S Small Bank

CRA Examinations scheduled for First Quarter of 2008 (January 1, 2008 - March 31, 2008)

Institution Location

AUBURN ST BK AUBURN, NEBRASKA

BANK OF HOLDEN HOLDEN, MISSOURI

FIRST BANKCENTRE BROKEN ARROW, OKLAHOMA

FIRST MTN BK LEADVILLE, COLORADO

GUARANTY B&TC DENVER, COLORADO

SECURITY ST BK BASIN, WYOMING

SHERIDAN ST BK SHERIDAN, WYOMING

STOCK EXCH BK CALDWELL, KANSAS

WAHOO ST BK WAHOO, NEBRASKA

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

Federal Reserve Bank of Dallas

Filings received during the week ending November 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Mr. Christopher T. Moser, San 

Antonio, Texas, and FFP Investments, Ltd., (its 

general partner, WAFCO, Inc., and Mr. William 

A. Freed, principal, all of San Antonio, Texas), 

collectively as a group acting in concert, to 

acquire up to 17.79 percent of Medina 

Community Bancshares, Inc., Hondo, Texas, 

and indirectly acquire Community National 

Bank, Hondo, Texas.

MEDINA COMMUNITY 

BANCSHARES, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for First Quarter of 2008 (January 1, 2008 - March 31, 2008)

Institution Location

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

Federal Reserve Bank of San Francisco

Filings received during the week ending November 24, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

American Security Bank, Santa Ana, California, 

to establish a branch office at 1401 Dove Street, 

Newport Beach, California.

AMERICAN SECURITY BANK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Franklin Resources, Inc., San Mateo, California, 

to retain 5.15 percent of Commerce Bancorp, 

Inc., and thereby indirectly its subsidiary, 

Commerce Bank, N.A., both of Cherry Hill, New 

Jersey.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Mitsubishi UFJ Financial Group, Inc., Tokyo, 

Japan, to indirectly acquire up to 30 percent of 

Diamond Lease (U.S.A.), Inc., New York, New 

York, and to thereby indirectly engage in the 

leasing of personal or real property, pursuant to 

section 225.28(b)(3) of Regulation Y.

MITSUBISHI UFJ FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Nara Bank, Los Angeles, California, to purchase 

the assets and assume the liabilities of the Brick, 

New Jersey, branch of The Provident Bank, 

Jersey City, New Jersey.

NARA BANK

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:

* 3A1 Not available

12/20/2007

State Bancorp Northwest to become a bank 

holding company by acquiring 100 percent of 

State Bank Northwest, both of Spokane Valley, 

Washington.

STATE BANCORP NORTHWEST

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.

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

NONE

CRA Examinations scheduled for First Quarter of 2008 (January 1, 2008 - March 31, 2008)

Institution Location

BANK OF THE ORIENT SAN FRANCISCO, CALIFORNIA

COMMUNITY BANKS NORTHERN CA TRACY, CALIFORNIA

PACIFIC PREMIER BK COSTA MESA, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act