Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 51

Week Ending December 23, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions December 17, 2006 to December 23, 2006

Bank Holding Companies

AFNB Holdings, Inc., Houston, Texas -- to become a bank holding company and to 

acquire American First National Bank.

- Approved, December 18, 2006 

Change In Bank Control

Jackson Financial Corporation, Mayfield, Kentucky -- change in bank control.

- Permitted, December 19, 2006 

Financial Holding Companies

Mizuho Financial Group, Inc., Tokyo, Japan, and Mizuho Corporate Bank, Ltd. -- 

elections to become financial holding companies.

- Effective, December 18, 2006 

The Norinchukin Bank, Tokyo, Japan -- election to be treated as a financial holding 

company.

- Effective, December 18, 2006 

Forms

Forms -- final Board review to extend without revision the disclosure and reporting 

requirements of CRA-Related Agreements (Reg G), disclosure requirements of 

Subpart H of Regulation H (Consumer Protections in Sales of Insurance) (Reg H-7), 

and filing requirements associated with the Domestic Branch Notification (FR 

4001).

- Approved, December 21, 2006 

Regulations And Policies

Broker Exceptions for Banks -- publication for comment of proposed new 

Regulation R to delineate the scope of securities brokerage activities that banks may 

conduct in providing banking services to their customers without registering with 

the Securities and Exchange Commission as a securities broker (Docket No. R1274).

- Approved, December 18, 2006 

Enforcement

Habib Bank Limited, Karachi, Pakistan, and its New York, New York branch -- 

written agreement with the Federal Reserve Bank of New York and the New York 

State Banking Department.

- Announced, December 21, 2006 

(AC) = Addition or Correction Board - Page 1 of 2
H.2 Board Actions December 17, 2006 to December 23, 2006

Enforcement

Mitsubishi UFJ Financial Group Inc., Tokyo, Japan; The Bank of Tokyo-Mitsubishi 

UFJ, Ltd; and its New York, New York branch -- written agreement with the 

Federal Reserve Banks of San Francisco and New York and the New York State 

Banking Department.

- Announced, December 18, 2006 

(AC) = Addition or Correction Board - Page 2 of 2
December 17, 2006 to December 23, 2006

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

American Trust & Savings Bank, Dubuque, Iowa -- to establish a branch at 1600 

University Avenue.

- Approved, December 21, 2006 

Chicago

American Trust & Savings Bank, Dubuque, Iowa -- to establish a branch at 4730 

Asbury Road.

- Approved, December 21, 2006 

Chicago

American Trust & Savings Bank, Dubuque, Iowa -- to establish a branch at 9350 

University Avenue, West Des Moines.

- Approved, December 21, 2006 

Chicago

Bank of Whitman, Colfax, Washington -- to establish a branch at 303 Bridge Street, 

Clarkston.

- Approved, December 20, 2006 

San Francisco

First Capital Bank, Glen Allen, Virginia -- to establish a branch at 901 East Cary 

Street, Richmond.

- Approved, December 20, 2006 

Richmond

First Utah Bank, Salt Lake City, Utah -- to establish a branch at 3123 South 

Redwood Road, West Valley City.

- Approved, December 18, 2006 

San Francisco

MainStreet Bank, Herndon, Virginia -- to establish a branch at 4029 Chain Bridge 

Road, Fairfax.

- Approved, December 20, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority December 17, 2006 to December 23, 2006

Bank Holding Companies

1867 Western Financial Corporation, Stockton, California -- to acquire up to 9.9 

percent of Pacific Business Bancorp, Irvine, and thereby acquire Pacific Business 

Bank.

- Approved, December 20, 2006 

San Francisco

AmericanWest Bancorporation, Spokane, Washington -- waiver of application to 

merge with Far West Bancorporation, Provo, Utah, in connection with the merger of 

Far West Bank and AmericanWest Bank, Spokane, Washington.

- Granted, December 21, 2006 

San Francisco

C.S.B. Co., Cozad, Nebraska -- waiver of application to merge with First Ainsworth 

Company, Ainsworth, in connection with the merger of The First National Bank of 

Ainsworth and First National Bank of Chadron, Chadron.

- Granted, December 18, 2006 

Kansas City

Century Bancshares of Florida, Inc., Tampa, Florida -- to become a bank holding 

company and to acquire Century Bank of Florida. 

- Approved, December 21, 2006 

Atlanta

DeWitt First Bankshares Corporation, DeWitt, Arkansas -- to acquire First National 

Bank of Stuttgart, Stuttgart.

- Approved, December 19, 2006 

St. Louis

Discount Bancorp, Inc., New York, New York -- to acquire IDB Capital Corp. 

from its subsidiary, Israel Discount Bank of New York.

- Approved, December 22, 2006 

New York

Heritage Group, Inc., Aurora, Nebraska -- to engage in lending activities.

- Approved, December 22, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority December 17, 2006 to December 23, 2006

Bank Holding Companies

IBERIABANK Corporation, Lafayette, Louisiana -- to merge with Pocahontas 

Bancorp, Inc., Jonesboro, Arkansas, and its subsidiary First Community Bank.

- Approved, December 22, 2006 

Atlanta

IBERIABANK Corporation, Lafayette, Louisiana -- to acquire Southern Mortgage 

Corporation, Tulsa, Oklahoma, and engage in extending credit and servicing loans.

- Approved, December 22, 2006 

Atlanta

Marquette Financial Companies, Minneapolis, Minnesota -- to acquire First 

Commerce Bank, Corpus Christi, Texas.

- Approved, December 22, 2006 

Minneapolis

ONB Bancshares, Inc., Ozona, Texas -- to become a bank holding company and to 

acquire The Ozona National Bank.

- Approved, December 20, 2006 

Dallas

Orion Bancorporation, Inc., Orion, Illinois -- to acquire First Mid-America Bancorp, 

Inc., Annawan, and thereby acquire State Bank of Annawan.

- Approved, December 21, 2006 

Chicago

U.S. Bancorp, Minneapolis, Minnesota -- waiver of application to merge with 

United Financial Corp., Great Falls, Montana, in connection with the merger of 

Heritage Bank.

- Granted, December 18, 2006 

Minneapolis

UCBH Holdings, Inc., San Francisco, California -- waiver of application to merge 

with Summit Bank Corporation, Atlanta, Georgia, in connection with the merger of 

Summit National Bank and United Commercial Bank, San Francisco, California.

- Granted, December 22, 2006 

San Francisco

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority December 17, 2006 to December 23, 2006

Bank Mergers

First Charter Bank, Charlotte, North Carolina -- to merge with Gwinnett Banking 

Company, Lawrenceville, Georgia.

- Approved, December 20, 2006 

Richmond

First Security Bank of Missoula, Missoula, Montana -- to merge with Citizens State 

Bank of Hamilton, Hamilton, and thereby establish branches at 100 Main Street and 

297 Woodside Cutoff Road, Corvallis.

- Approved, December 20, 2006 

Minneapolis

Glacier Bank, Kalispell, Montana -- to merge with First Citizens Bank, N.A., 

Columbia Falls and thereby establish branches at 540 Nucleus, Columbia Falls, and 

490 Reserve Drive, Kalispell.

- Approved, December 19, 2006 

Minneapolis

RBC Centura Bank, Raleigh, North Carolina -- to acquire certain assets and assume 

certain liabilities of branches of Regions Bank, Birmingham, Alabama.

- Approved, December 19, 2006 

Richmond

United Security Bank, Fresno, California -- to merge with Legacy Bank, N.A., 

Campbell.

- Approved, December 22, 2006 

San Francisco

Western Security Bank, Billings, Montana -- to merge with First Citizens Bank of 

Billings and thereby establish branches.

- Approved, December 19, 2006 

Minneapolis

Change In Bank Control

Alfalfa County Bancshares, Inc., Cherokee, Oklahoma -- change in bank control.

- Permitted, December 21, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority December 17, 2006 to December 23, 2006

Change In Bank Control

First State Banking Corporation, Russellville, Arkansas -- change in bank control.

- Permitted, December 21, 2006 

St. Louis

Kiester Investments, Inc., Kiester, Minnesota -- change in bank control.

- Permitted, December 21, 2006 

Minneapolis

M & H Financial Services, Inc., Miller, South Dakota -- change in bank control.

- Permitted, December 22, 2006 

Minneapolis

Wisconsin Bancshares, Inc., Kenosha, Wisconsin -- change in bank control.

- Permitted, December 20, 2006 

Chicago

Extensions Of Time

Dacotah Bank, Aberdeen, South Dakota -- extension to March 31, 2007, to establish 

a branch at 1231 East 57th Street, Sioux Falls.

- Granted, December 21, 2006 

Minneapolis

Minier Financial, Inc. Employee Stock Ownership Plan w/401(K) Provisions, 

Minier, Illinois -- extension to March 30, 2007, to become a bank holding company 

and to acquire between 25 percent and 51 percent of the shares of Minier Financial, 

Inc., and thereby acquire First Farmers State Bank. 

- Granted, December 21, 2006 

Chicago

Oswego Community Bank Employee Stock Ownership Plan, Oswego, Illinois -- 

extension to March 21, 2007, to increase its ownership from 37.71 percent to 51 

percent of Oswego Bancshares, Inc., and thereby increase its ownership in Oswego 

Community Bank.

- Granted, December 19, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority December 17, 2006 to December 23, 2006

Extensions Of Time

SV Bancorp, Inc., Wyoming, Ohio -- extension to March 25, 2007, to become a 

bank holding company and to acquire Spring Valley Bank.

- Granted, December 20, 2006 

Cleveland

Waccamaw Bank, Whiteville, North Carolina -- extension to January 16, 2007, to 

establish a branch at 4945 Southport-Supply Road Southeast, Southport.

- Granted, December 18, 2006 

Richmond

Financial Holding Companies

Buckeye Bancshares, Inc., Lorain, Ohio -- election to become a financial holding 

company.

- Effective, December 19, 2006 

Cleveland

IBERIABANK Corporation, Lafayette, Louisiana -- election to become a financial 

holding company.

- Effective, December 20, 2006 

Atlanta

Merchants Financial Group, Inc., Winona, Minnesota -- election to become a 

financial holding company.

- Effective, December 21, 2006 

Minneapolis

International Operations

Citibank, N.A., Las Vegas, Nevada -- waiver of remainder of notification period to 

invest, through Citibank Overseas Investment Corporation, New Castle, Delaware, 

in Citigroup Japan Holdings Ltd., Tokyo, Japan, and Citibank Japan Ltd., and 

modification of the aggregate investment limit of Regulation K.

- Granted, December 20, 2006 

Director, BS&R

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority December 17, 2006 to December 23, 2006

International Operations

JPMorgan Chase Bank, National Association, Columbus, Ohio -- extension of the 

corporate existence of Bank One International Holdings Corporation, Chicago, 

Illinois, and Bank One International Corporation.

- Approved, December 22, 2006 

New York

National City Bank, Cleveland, Ohio, and Ohio National Corporation Trade 

Services -- relief from a commitment.

- Granted, December 22, 2006 

Director, BS&R

Membership

PNC Bank, Delaware, Wilmington, Delaware -- to become a member of the Federal 

Reserve System.

- Approved, December 19, 2006 

Cleveland

(AC) = Addition or Correction Delegated - Page 7 of 7
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending December 23, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 01/05/2007

Application by 1895 MHC and 1895 Corp.,

both of Worcester, Massachusetts, to become a

mutual bank holding company and stock bank

holding company, respectively, by acquiring

Bay State Savings Bank, Worcester,

Massachusetts, pursuant to sections 3(a)(1) and

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

1956, as amended.

1895 MHC

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Bangor Bancorp, MHC, Bangor, Maine to

become a bank holding company pursuant to

section 3(a)(1) of the BHC Act in connection

with the reorganization of Bangor Savings

Bank, Bangor, Maine, into a mutual bank

holding company structure.

Bangor Bancorp, MHC

Newspaper:

Federal Register:

* 3A3 Not available

01/05/2007

Danvers Bancorp, Inc., Danvers,

Massachusetts to acquire BankMalden, A

Co-operative Bank, Malden, Massachusetts

pursuant to section 3(a)(3) of the BHC Act.

DANVERS BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 Not available

Application by Spencer MHC and Spencer

Mid-tier Holding Company, both of Spencer,

Massachusetts, to become a mutual bank

holding company and stock bank holding

company, respectively, by acquiring Spencer

Savings Bank, Spencer, Massachusetts,

pursuant to sections 3(a)(1) and 3(a)(3) of the

Bank Holding Company Act of 1956, as

amended.

Spencer MHC

* 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 December 23, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

Banco Itau Europa S.A. Lisbon, Portugal,

requesting approval of the Board of Governors

of the Federal Reserve System to acquire 100

percent of BankBoston International, Miami,

Florida, an edge corporation subsidiary of

Bank of America N.A., Charlotte, North

Carolina, pursuant to Section 211.5(d) of

Regulation K.

BANCO ITAU EUROPA, S.A.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Notice by Calyon, Paris, France for approval

from the Board of Governors of the Federal

Reserve System to establish an agency in

Miami, Florida through the transfer of the

activities of the existing Miami agency of its

affiliate, Credit Lyonnais, Paris, France,

pursuant to Section 211.24(a)(2)(i)(A) of

Regulation K.

CALYON

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

M&T Bank Corporation, Buffalo, New York

proposes to make a public welfare investment

in the amount of $10 million as a limited

partner in Enterprise Housing Partners XIV

Limited Partnership, Columbia, Maryland

("Enterprise"), pursuant to Sections 225.23 and

225.28(b)(12) of Regulation Y. The general

partner of Enterprise is Enterprise Community

Investment, Inc.

M&T BANK CORPORATION

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Manufacturers and Traders Trust Company,

Buffalo, New York request to open and occupy

a limited branch to be opened in the Park and

ride lot on Millpond Parkway, Village of

Monroe, Orange County, New York.

MANUFACTURERS AND

TRADERS TRUST COMPANY

* 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 December 23, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending December 23, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 12/18/2006

12/26/2006

PNC Financial Services Group, Inc.,

Pittsburgh, Pennsylvania, to acquire 100

percent of Mercantile Bankshares Corporation,

Baltimore,Maryland, and thereby indirectly

acquire Marshall National Bank and Trust

Company, Marshall, Virginia, The National

Bank of Fredricksburg, Fredricksburg,

Virginia, The Annapolis Banking and Trust

Company, Annapolis, Maryland, Mercantile

Eastern Shore Bank, Kent, Maryland,

Westminster Union Bank, Carroll, Maryland,

Mercantile County Bank, Cecil, Maryland,

Mercantile Southern Maryland Bank,

Leonardtown, Maryland, The Citizens

National Bank, Laurel, Maryland, Mercantile

Peninsula Bank, Selbyville, Delaware, Farmers

& Mechanics Bank, Frederick, Maryland, and

Mercantile-Safe Deposit and Trust Company,

Baltimore, Maryland.

PNC FINANCIAL SERVICES

GROUP, INC., THE

* 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

542528 CITIZENS BKG CO, SANDUSKY, OHIO 09/25/2006 12/18/2006 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending December 23, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 12/28/2006

01/08/2007

Dr. Terry Collins, Springfield, Virginia; Mr.

Norman Horn, Oakton, Virginia; Mr. David

Karlgaard, Fairfax, Virginia; Mr. Richard

Litman, Fairfax Station, Virginia; Mr. Alvin

Nashman, Falls Church, Virginia; Mr. Russell

Sherman, Fairfax, Virginia; and Ategra

Community Financial Institution Fund, LP,

Vienna, Virginia, acting as a group to control

up to 37.3% of the voting securities of The

Freedom Bank of Virginia, Vienna, Virginia.

FREEDOM BANK OF

VIRGINIA, THE

Newspaper:

Federal Register:

* Branch

Not applicable

Resource Bank, Virginia Beach, Virginia, 01/02/2007

proposes to establish a branch at 9012 Church

Street, Manassas, Virginia.

RESOURCE BANK

Newspaper:

Federal Register:

* 3A3 Not available

* 18C

* Branch

01/16/2007

Sandy Spring Bancorp, Inc., Olney, Maryland,

to acquire 100% of the voting securities of

Potomac Bank of Virginia, Fairfax, Virginia.

SANDY SPRING 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 December 23, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

1st United Bank, Boca Raton, Florida, to 01/09/2007

establish a branch located at 1948 Harrison

Street, Hollywood, Florida.

1ST UNITED BANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Caixa de Aforros de Vigo, Ourense e

Pontevedra, Vigo, Spain, to convert an

international agency to a branch office in

Miami, Florida.

CAIXA DE AFORROS DE

VIGO, OURENSE E

PONTEVEDRA

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 12/29/2006

establish a branch located at 2635 Veterans

Memorial Drive, Abbeville, Louisiana, to be

known as the Abbeville Branch.

IBERIABANK

Newspaper:

Federal Register:

* 3A3 01/12/2007

01/08/2007

InsCorp, Inc., Nashville, Tennessee, to acquire

50 percent of the outstanding shares of

Insurors Bank of Tennessee, Nashville,

Tennessee. Total ownership will be 100

percent.

INSCORP, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

TriSummit Bank, Kingsport, Tennessee, to

become a member of the Federal Reserve

System (in organization).

TRISUMMIT BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending December 23, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 8830 Spring

Cypress Road, Spring, Harris County, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 1412 N.

Rochester Road, Rochester Hills, Oakland

County, Michigan.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 25950 Pontiac

Trail, South Lyon, Oakland County, Michigan.

COMERICA BANK

Newspaper:

Federal Register:

CIC 12/27/2006

12/27/2006

Notice by Geffrey A. Sawtelle, Neshkoro,

Wisconsin, to acquire greater than 25 percent

of the common stock of FEB Bancshares, Inc.,

Neshkoro, Wisconsin, and thereby indirectly

acquire Farmers Exchange Bank, Neshkoro,

Wisconsin.

FEB BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 Not available

01/16/2007

First Busey Corporation, Urbana, Illinois, to

merge with Main Street Trust, Inc.,

Champaign, Illinois, and thereby indirectly

acquire Main Street Bank & Trust,

Champaign, Illinois.

FIRST BUSEY CORPORATION

Newspaper:

Federal Register:

* 4c8 01/07/2007

01/12/2007

Heartland Bancorp, Inc., Bloomington,

Illinois, to acquire 100 percent of the voting

shares of First Federal Bancshares, Inc.,

Colchester, Illinois, and thereby indirectly

acquire First Federal Bank, Colchester,

Illinois, and thereby operate a savings

association.

HEARTLAND BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Lotus Bancorp, Inc., Novi, Michigan, to

become a bank holding company by acquiring

100 percent of the voting shares of Lotus Bank

(in organization), Novi, Michigan.

Lotus Bancorp, Inc.

Newspaper:

Federal Register:

* 3A5 Not available

01/22/2007

Marshall & Ilsley Corporation, Milwaukee,

Wisconsin, to acquire 100 percent of the

outstanding capital stock of United Heritage

Bankshares of Florida, Inc., Orlando, Florida,

and thereby indirectly acquire United Heritage

Bank, Orlando, Florida.

MARSHALL & ILSLEY

CORPORATION

Newspaper:

Federal Register:

* 3A1 12/31/2006

01/02/2007

P/R Bancorp, Spartanburg, Indiana, to become

a bank holding company by acquiring 100

percent of the voting shares of Greensfork

Township State Bank, Spartanburg, Indiana.

P/R BANCORP

Newspaper:

Federal Register:

CIC Not available

01/05/2007

Notification by Thomas M. Marcuccilli and

James C. Marcuccilli, both of Fort Wayne,

Indiana and their immediate families to retain

control of 18.5 percent of the outstanding

shares of STAR Financial Group, Inc., Fort

Wayne, Indiana, and indirectly STAR

Financial Bank, Fort Wayne, Indiana.

STAR FINANCIAL GROUP,

INC.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

832470 HOMEFEDERAL BK, COLUMBUS, INDIANA 08/07/2006 12/07/2006 S Large Bank

991135 STATE BK GENEVA, GENEVA, ILLINOIS 09/11/2006 12/15/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending December 23, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 01/20/2007

01/24/2007

BancorpSouth, Inc., Tupelo, Mississippi, to

merge with City Bancorp, Inc., Springfield,

Missouri, and thereby indirectly acquire The

Signature Bank, Springfield, Missouri.

BANCORPSOUTH, INC.

Newspaper:

Federal Register:

* 3A3

* 18C

* Branch

01/18/2007

01/16/2007

First Banks, Inc., Hazelwood, Missouri, and its

subsidiary bank holding company, The San

Francisco Company, St. Louis, Missouri, to

acquire 100 percent of Royal Oaks Bancshares,

Inc., Houston, Texas, and thereby indirectly

acquire Royal Oaks Bank, SSB, Houston,

Texas. Also, First Bank, St. Louis, Missouri, to

merge with Royal Oaks Bank, SSB, Houston,

Texas, and to retain the acquired facilities as

branch offices.

FIRST BANKS, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending December 23, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

01/08/2007

First National Financial Services, Inc., Elk

River, Minnesota to acquire 100 percent of

Maple Lake Bancorporation, Edina, Minnesota

and thereby indirectly acquire Security State

Bank of Maple Lake, Maple Lake, Minnesota.

FIRST NATIONAL FINANCIAL

SERVICES INC.

Newspaper:

Federal Register:

* 3A3 Not available

01/16/2007

First Sleepy Eye Bancorporation, Inc., Sioux

Falls, South Dakota to acquire 100 percent of

Lake Benton Bancorporation, Inc., Sioux Falls,

South Dakota and thereby indirectly acquire

First Security Bank-Lake Benton, Lake

Benton, Minnesota.

FIRST SLEEPY EYE

BANCORPORATION, INC.

Newspaper:

Federal Register:

CIC Not available

01/08/2007

Notice by Harley Allen Hanson, Mahnomen,

Minnesota, to gain control of Mahnomen

Bancshares, Inc., Mahnomen, Minnesota, and

thereby indirectly gain control of First National

Bank in Mahnomen, Mahnomen, Minnesota.

MAHNOMEN BANCSHARES,

INC.

Newspaper:

Federal Register:

CIC Not available

01/16/2007

Notice by Dan L. Rorvig, McVille, North

Dakota; Teresa L. Rorvig, McVille, North

Dakota; Robert J. Fossum, Forest River, North

Dakota; and Troy D. Olson, Cooperstown,

North Dakota, acting as a group in concert to

gain control of McVille Financial Services,

Inc., McVille, North Dakota, and thereby

indirectly gain control of Mcville State Bank,

McVille, North Dakota.

MCVILLE 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 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 December 23, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Premises Not applicable

Ameristate Bank, Atoka, Oklahoma, to 12/28/2006

establish a branch to be located at 2009

Independence, Sherman, Texas, and to

increase its investment in bank premises in the

amount of $650,000.

AMERISTATE BANK

Newspaper:

Federal Register:

* 3A3 Not available

01/12/2007

Blue Valley Ban Corp., to acquire 100 percent

of the voting shares of Unison Bancorp, Inc.,

parent Western National Bank, both of Lenexa,

Kansas.

BLUE VALLEY BAN CORP.

Newspaper:

Federal Register:

CIC Not available

01/08/2007

Notification by Lynda L. Cameron,

Wellington, Florida, to acquire control of First

Fidelity Bancorp, Inc., parent of First Fidelity

Bank, N.A., both in Oklahoma City,

Oklahoma.

FIRST FIDELITY BANCORP,

INC.

Newspaper:

Federal Register:

* 3A3 12/29/2006

12/29/2006

First Independent Bancorp, Inc., Chickasha,

Oklahoma, to acquire 100 percent of the voting

shares of Cyril State Bank, Cyril, Oklahoma.

FIRST INDEPENDENT

BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

* 18C

* Branch

01/05/2007

First State Bancorporation, Albuquerque, New

Mexico, to acquire 100 percent of the voting

shares of Front Range Capital Corporation,

parent of Heritage Bank, both in Louisville,

Colorado. First Community Bank, Taos, New

Mexico, to merge with Heritage Bank,

Louisville, Colorado, and incident thereto, to

establish thirteen branches at 2775 Pearl Street

and 1900 Ninth Street, both in Boulder; 811

South Public Road and 2695 North Park Drive,

Suite 101, both in Lafayette; 1543 Wazee

Street and 3850 York Street, both in Denver;

1020 Century Drive and 801 Main Street, both

in Louisville; Erie, Broomfield, Longmont,

Niwot, and Firestone, all in Colorado.

FIRST STATE

BANCORPORATION

Newspaper:

Federal Register:

CIC 01/03/2007

12/28/2006

Notification by Raymond E. Wooldridge,

Dallas, Texas, to acquire control of Reeves

Bancshares, Inc., Gould, Oklahoma, parent of

Stockmans Bank, Altus, Oklahoma.

REEVES 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

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 December 23, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 01/02/2007

01/03/2007

Notice filed by The J.C. Gray Trust and Johnny

C. Gray, as trustee, both of Artesia, New

Mexico, and The T.L. Chandler Trust and

Terry L. Chandler, as trustee, both of Carlsbad,

New Mexico, to increase their ownership and

control, from 7.04 percent to 42.74 percent, of

First Artesia Bancshares, Inc., Artesia, New

Mexico, and indirectly The First National

Bank, Artesia, New Mexico.

FIRST ARTESIA

BANCSHARES, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending December 23, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 01/19/2007

01/19/2007

City National Corporation, Beverly Hills,

California, to merge with Business Bank

Corporation, and thereby indirectly acquire

Business Bank of Nevada, both of Las Vegas,

Nevada.

CITY NATIONAL

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Franklin Resources, Inc., San Mateo,

California, to retain control of 24.4 percent of

First Chicago Bancorp, and thereby indirectly

retain control of its subsidiary, First Chicago

Bank & Trust, both of Chicago, Illinois.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

CIC Not available

01/03/2007

Notice by Stuart J. Shelk, Jr., Linda S. Shelk,

Clark J. Shelk Trust UA, Anne Marie Shelk

Trust UA, and John B. Shelk Trust UA, Powell

Butte, Oregon, to increase their ownership to

10.58 percent, collectively, in Prineville

Bancorporation and thereby indirectly control

its subsidiary, Community First Bank, both of

Prineville, Oregon.

PRINEVILLE

BANCORPORATION

* 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