Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 38 

Week Ending September 22, 2007

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

Subprime Mortgage Lending and Mitigating Foreclosures -- statement by 

Chairman Bernanke before the House Committee on Financial Services.

- Published, September 20, 2007

Discount Rates

Discount and Advance Rates -- decrease in the primary credit rate from 5-3/4 

percent to 5-1/4 percent by the Federal Reserve Banks of Boston, New York, 

Cleveland, St. Louis, Minneapolis, Kansas City, and San Francisco.

- Approved, September 18, 2007

Discount and Advance Rates -- decrease in the primary credit rate from 5-3/4 

percent to 5-1/4 percent by the Federal Reserve Banks of Richmond, Atlanta, and 

Dallas.

- Approved, September 19, 2007

Discount and Advance Rates -- decrease in the primary credit rate from 5-3/4 

percent to 5-1/4 percent by the Federal Reserve Banks of Philadelphia and 

Chicago.

- Approved, September 20, 2007

Regulations And Policies

Expanded Examination Cycle -- final interagency rules to allow an expanded 

examination cycle for qualifying state member banks and U.S. offices of foreign 

banks (Docket No. R-1279).

- Approved, September 14, 2007

(A/C)

H.2 Board Actions September 16, 2007 to September 22, 2007

(A/C) = Addition or Correction Board - Page 1 of 2
Regulations And Policies

Garnishment Orders -- publication for comment of interagency guidance for 

financial institutions regarding garnishment of exempt federal benefits funds 

(Docket No. R-1294).

- Approved, September 18, 2007

H.2 Board Actions September 16, 2007 to September 22, 2007

(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

September 16, 2007 to September 22,

Bank Branches, Domestic

Comerica Bank, Detroit, Michigan -- to establish a branch at 27482 Portola Parkway, 

Foothill Ranch, California, and 26131 La Paz Road, Mission Viejo.

Secretary

- Approved, September 19, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 1122 Dale 

Mabry Highway North, Lutz, Florida.

Cleveland

- Approved, September 19, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at Big Bend, 

13304 US Highway 301 South, Riverview, Florida.

Cleveland

- Approved, September 19, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at McMullen 

Booth, 1703 McMullen Booth Road, Clearwater, Florida.

Cleveland

- Approved, September 19, 2007

Heritage State Bank, Lawrenceville, Illinois -- to establish a branch at Route 1 and 

Highway 68, Haubstadt, Indiana.

St. Louis

- Approved, September 18, 2007

(A/C) = Addition or Correction Delegated - 1 of 4
Bank Branches, Domestic

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

branch at 15 South Franklin Street, Wilkes-Barre, Pennsylvania.

Secretary

- Approved, September 17, 2007

SunTrust Bank, Atlanta, Georgia -- to establish branches at 8109 Kensington Drive, 

Waxhaw, North Carolina; 4386 Cobb Parkway, Acworth, Georgia; and 16116 State 

Road 54, Odessa, Florida.

Secretary

- Approved, September 18, 2007

Susquehanna Bank DV, Bryn Mawr, Pennsylvania -- to establish a branch at 2 

Aquarium Drive, Camden, New Jersey.

Philadelphia

- Approved, September 21, 2007

Tennessee State Bank, Pigeon Forge, Tennessee -- to establish branches at 11470 

Parkside Drive, Knoxville; 107 Epley Road, Newport; and 106 West Broadway 

Boulevard, Jefferson City.

Atlanta

- Approved, September 19, 2007

Bank Holding Companies

Anderen Financial of TampaBay, Inc., Clearwater, Florida -- to become a bank 

holding company and to acquire Anderen Bank of Tampa Bay, Palm Harbor, a de 

novo bank.

Atlanta

- Approved, September 21, 2007

H.2 Actions under delegated authority September 16, 2007 to September 22,

(A/C) = Addition or Correction Delegated - 2 of 4
Bank Holding Companies

Chittenden Corporation, Burlington, Vermont -- waiver of application in connection 

with the acquisition of Community Bank & Trust Company, Wolfeboro, New 

Hampshire, and its merger with Chittenden Corporation's subsidiary, Ocean Bank, 

Portsmouth.

Boston

- Granted, September 20, 2007

Enterprise Bancorp, Inc., Palm Beach Gardens, Florida -- to become a bank holding 

company and to acquire Enterprise National Bank.

Atlanta

- Approved, September 20, 2007

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

Financial Corporation, Midland, Michigan, and thereby acquire an interest in 

Chemical Bank.

San Francisco

- Approved, September 19, 2007

Keystrong Financial, Inc., Elderton, Pennsylvania -- to become a bank holding 

company and to acquire Elderton State Bank.

Cleveland

- Approved, September 19, 2007

SB Bancorp, Inc., DeForest, Wisconsin -- to become a bank holding company and to 

acquire Settlers Bank, a de novo bank.

Chicago

- Approved, September 20, 2007

H.2 Actions under delegated authority September 16, 2007 to September 22,

(A/C) = Addition or Correction Delegated - 3 of 4
Banks, Foreign

BNP Paribas, Paris, France -- to establish and operate a branch in New York, New 

York, in connection with the merger of BNP Paribas and Banca Nazionale del 

Lavoro S.p.A., Rome, Italy.

General Counsel

- Approved, September 13, 2007

(A/C)

Change In Bank Control

Citizens Bancshares of Batesville, Inc., Batesville, Arkansas -- change in bank 

control.

St. Louis

- Permitted, September 18, 2007

Red River Bancshares, Inc., Alexandria, Louisiana -- change in bank control.

Atlanta

- Permitted, September 18, 2007

Financial Holding Companies 

FMB Bancshares, Inc., Lakeland, Georgia -- election to become a financial holding 

company.

Atlanta

- Effective, September 18, 2007

Regulations And Policies

Short-term Interest Rates -- decrease in the target for the federal funds rate from 

5-1/4 percent to 4-3/4 percent.

FOMC

- Approved, September 18, 2007

H.2 Actions under delegated authority September 16, 2007 to September 22,

(A/C) = Addition or Correction Delegated - 4 of 4
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending September 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 1

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending September 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Andhra Bank, Hyderabad, India, to establish a 

representative office in Jersey City, New Jersey.

ANDHRA BANK

Newspaper:

Federal Register:

* 18C

Not applicable

Banco Popular de Puerto Rico, San Juan, Puerto 09/22/2007

Rico in connection with the request for prior 

approval of the Board of Governors of the 

Federal Reserve System to acquire certain 

assets and assume certain liabilities of the 17 

Puerto Rico branches of Citibank, NA, Las 

Vegas, Nevada, pursuant to Section 18(c) of the 

Federal Deposit Insurance Act.

BANCO POPULAR DE PUERTO 

RICO

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

International Bank of Azerbaijan, Baku, 

Azerbaijan, to establish a representative office 

in New York, New York, pursuant to Section 

10(a) of the International Banking Act, as 

amended, and Section 211.24(a)(1) of Regulation 

K.

INTERNATIONAL BANK OF 

AZERBAIJAN

Newspaper:

Federal Register:

* 3A3 Not available

10/15/2007

JPMorgan Chase & Co., New York, New York, 

intends to acquire control of JPMorgan Chase 

Bank, National Association ("JPMBTC"), San 

Francisco, California, pursuant to Section 3(a)(3) 

of the BHC Act and Section 225.14 of 

Regulation Y.

JPMORGAN CHASE & CO.

Newspaper:

Federal Register:

* 3A3 Not available

4c8

* 18C

* Branch

10/01/2007

M&T Bank Corporation, Buffalo, New York 

("M&T"), to (i) acquire Partners Trust Financial 

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

merge Partners Trust with and into M&T, and 

thereby to acquire Partners Trust's 

wholly-owned bank subsidiary, Partners Trust 

Municipal Bank, Utica, New York, and also 

thereby to acquire Partners Trust Bank, Utica, 

New York, and thereby operate a federal 

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

wholly-owned direct and indirect non-banking 

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

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

of 1956, as amended, and Sections 225.15 and 

225.24 of Regulation Y. 

In addition, Manufacturers and Traders Trust 

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

merge with Partners Trust Bank and Partners 

Trust Municipal Bank, with M&T Bank as the 

surviving entity, pursuant to Section 18(c) of 

the Federal Deposit Insurance Act, and in 

connection therewith, to retain the branches at 

the current branch locations of Partners Trust 

Bank, pursuant to Section 9 of the Federal 

Reserve Act.

M&T BANK CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 09/25/2007

Buffalo, New York, to establish a full-service 

branch to be located at 901 Bestgate Road, 

Annapolis, Anne Arundel County, Maryland.

MANUFACTURERS AND 

TRADERS TRUST COMPANY

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

Federal Reserve Bank of New York

Filings received during the week ending September 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

* 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 September 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

Not applicable

Susquehanna Bank, Hagerstown, MD, to 10/19/2007

purchase the assets and assume the liabilities 

of six branch offices of Susquehanna Bank PA, 

Lititz, PA, located at 1045 Mill Run Circle, 

Owings Mills, Baltimore County, MD; 10802 

Red Run Blvd., Owings Mills, Baltimore County, 

MD; 275 Clifton Blvd., Westminster, Carroll 

County, MD; 4501 Hanover Pike, Manchester, 

Carroll County, MD; 8620 Snowden River 

Parkway, Columbia, Howard County, MD, 8801 

Columbia 100 Parkway, Columbia, Howard 

County, MD.

SUSQUEHANNA BANK

* 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 September 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Application by The Citizens Banking Company, 10/10/2007

Sandusky, OH to merge with Champaign 

National Bank, Urbana, OH and incident thereto 

establish branches.

CITIZENS BANKING COMPANY, 

THE

Newspaper:

Federal Register:

* 3A5 Not available

10/19/2007

Fifth Third Bancorp and its wholly-owned 

subsidiary Fifth Third Financial Corporation, 

both of Cincinnati, Ohio, to acquire 100 percent 

of First Charter Corporation and, indirectly 

acuire control of First Charter Bank, both of 

Charlotte, North Carolina

FIFTH THIRD BANCORP

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 09/27/2007

a branch at 766 North Sun Drive, Lake Mary, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 09/30/2007

a branch at 2280 Boggy Creek Road, Kissimmee, 

FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 09/30/2007

a branch at 1725 South Orange Blossom Trail, 

Apopka, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 09/30/2007

a branch at 3004 Daniels Road, Winter Garden, 

FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 09/30/2007

a branch at 1 Woodland Lake Drive, Orlando, 

FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 09/30/2007

a branch at 7360 University Boulevard, Orlando, 

FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 09/30/2007

a branch at the southwest corner of State Route 

50 and Chuluota Road, Orlando, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* 3A5 Not available

10/11/2007

First Corbin Bancorp, Inc. proposed acquistion 

of Eagle Fidelity, Inc. and it's subsidiary bank 

Eagle Bank, Inc pursuant to section 3(a)(5) of 

the BHCA.

FIRST CORBIN BANCORP, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Application by PNC Bank, Delaware, 

Wilmington, Delaware, to acquire by merger 

Delaware Sterling Bank & Trust Company, 

Christiana, Delaware

PNC BANK, DELAWARE

Newspaper:

Federal Register:

* 3A3 10/10/2007

10/19/2007

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

to acquire up to 24.99% of the outstanding 

voting shares of Allegheny Valley Bancorp, 

Inc., Pittsburgh, PA filed pursuant to Section 

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

S & T BANCORP, INC.

Newspaper:

Federal Register:

* 3A5

4c8

10/14/2007

10/15/2007

Wesbanco, Inc., Wheeling, West Virginia, 

proposes to acquire Oak Hill Financial, Inc., 

Jackson, Ohio

WESBANCO, INC.

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending September 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 10/14/2007

10/12/2007

Founders Corporation of Loudoun, Inc., 

Leesburg, Virginia, to become a bank holding 

company by acquiring 100% of the voting 

shares of Founders Bank & Trust, N.A., 

Leesburg, Virginia (in organization).

Founders Corporation of 

Loudoun, Inc.

Newspaper:

Federal Register:

* Branch

Not applicable

Waccamaw Bank, Whiteville, North Carolina, 10/02/2007

proposes to establish a branch at 1180 Highway 

17, Little River, South Carolina.

WACCAMAW BANK

* 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 September 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 10/10/2007

10/15/2007

Atlantic Southern Financial Group, Inc., Macon, 

Georgia, to acquire 100 percent of the 

outstanding shares of CenterState Bank Mid 

Florida, Leesburg, Florida.

ATLANTIC SOUTHERN 

FINANCIAL GROUP, INC.

Newspaper:

Federal Register:

* 3A5 10/19/2007

10/19/2007

City Savings Bancshares, Inc., Deridder, 

Louisiana, to merge with Louisiana Community 

Bancshares, Inc., Kaplan, Louisiana, and 

thereby acquire its subsidiaries, Kaplan State 

Bank, Kaplan, Louisiana, and Teche Bank & 

Trust Co., Saint Martinville, Louisiana.

CITY SAVINGS BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

10/19/2007

CNB Bancorp, Inc., to become a bank holding 

company by acquiring 100 percent of the 

outstanding shares of Commonwealth National 

Bank, both of Mobile, Alabama.

CNB BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Orion Bank, Naples, Florida, to establish a 10/02/2007

branch located at 6310 State Road 64 East, 

Bradenton, Florida, to be known as the 

Bradenton Office.

ORION BANK

Newspaper:

Federal Register:

* 3A3 10/04/2007

10/04/2007

Security Bank Corporation, Macon, Georgia, to 

acquire 100 percent of the outstanding shares of 

Security Bank of the Coast, Brunswick, Georgia 

(in organization).

SECURITY BANK 

CORPORATION

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

ServisFirst Bancshares, Inc., notice to become a 

bank holding company by acquiring 100 percent 

of the outstanding shares of ServisFirst Bank, 

both of Birmingham, Alabama.

SERVISFIRST BANCSHARES, 

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 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 September 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/28/2007

Bank of Montreal, Montreal, Canada, Harris 

Financial Corp., Chicago, Illinois, and Harris 

Bankcorp, Inc., Chicago, Illinois, to acquire 100 

percent of the voting shares of Merchants and 

Manufacturers Bancorporation, Inc., New 

Berlin, Wisconsin, Merchants Merger Corp., 

Brookfield, Wisconsin, and Merchants New 

Merger Corp., Brookfield, Wisconsin, and 

thereby indirectly acquire Lincoln State Bank, 

Milwaukee, Wisconsin, Grafton State Bank, 

Grafton, Wisconsin, Community Bank Financial, 

Oconto Falls, Wisconsin, The Reedsburg Bank, 

Reedsburg, Wisconsin, Fortress Bank, Westby, 

Wisconsin, Fortress Bank of Cresco, Cresco, 

Iowa, Wisconsin State Bank, Random Lake, 

Wisconsin, and 5.89 percent of the voting 

shares of Central Wisconsin Financial Services, 

Inc., Wausau, Wisconsin, and thereby 

indirectly acquire Bank of Wausau, Wausau, 

Wisconsin.

BANK OF MONTREAL

Newspaper:

Federal Register:

* 3A3 Not available

09/28/2007

Bank of Montreal, Montreal, Canada, Harris 

Financial Corp., Chicago, Illinois, and Harris 

Bankcorp, Inc., Chicago, Illinois, to acquire 100 

percent of the voting shares of Ozaukee Bank, 

Cedarburg, Wisconsin.

BANK OF MONTREAL

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish 

two branches to be located at 260 W. Grand 

Avenue, Escondido, California, and 412 

Washington Street, San Diego, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish 

four branch facilities to be located at 2804 N. 

44th Street, Phoenix, Arizona, 4545 N. Scottsdale 

Road, Scottsdale, Arizona, 5225 S. Power Road, 

Mesa, Arizona, and 925 N. Dobson Road, Mesa, 

Arizona.

COMERICA BANK

Newspaper:

Federal Register:

* 3A5 10/05/2007

10/11/2007

Community Bancorp, Inc., Saint Charles, 

Michigan, to acquire 100 percent of the voting 

shares of MSB Holding, Inc., Montrose, 

Michigan, and thereby indirectly acquire 

Montrose State Bank, Montrose, Michigan.

COMMUNITY BANCORP, INC.

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of 

BankFinancial Corporation, Burr Ridge, Illinois, 

and thereby indirectly acquire BankFinancial 

F.S.B., Olympia Fields, Illinois, and thereby 

operate a savings association.

FBOP CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of CFS 

Bancorp, Inc., Munster, Indiana, and thereby 

indirectly acquire Citizens Financial Bank, 

Munster, Indiana, and thereby operate a 

savings association.

FBOP CORPORATION

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of PFF 

Bancorp, Inc., Rancho Cucamonga, California, 

and thereby indirectly acquire PFF Bank and 

Trust, Pomona, California, and thereby operate a 

savings association.

FBOP CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of 

Provident Financial Holdings, Inc., Riverside, 

California, and thereby indirectly acquire 

Provident Savings Bank, F.S.B., Riverside, 

California, and thereby operate a savings 

association.

FBOP CORPORATION

Newspaper:

Federal Register:

* 3A1 08/20/2007

08/20/2007

Pan American Acquisition, Inc., Oak Brook, 

Illinois, to become a bank holding company by 

acquiring 100 percent of the voting shares of JD 

Financial Group, Inc., Chicago, Illinois, and 

thereby indirectly acquire Pan American Bank, 

Chicago, Illinois.

PAN AMERICAN ACQUISITION, 

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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending September 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The Bank of Fayetteville, Fayetteville, 09/15/2007

Arkansas, to establish a branch facility to be 

located at 257 West Main, Farmington, 

Arkansas.

BANK OF FAYETTEVILLE, THE

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

First National Bancorp, Inc., Green Forest, 

Arkansas, proposes to engage in lending 

activities.

FIRST NATIONAL BANCORP, 

INC.

Newspaper:

Federal Register:

* 3A3 10/19/2007

10/22/2007

M & P Community Bancshares, Inc. 401(k) 

Employee Stock Ownership Plan, Newport, 

Arkansas, to acquire additional shares of M & P 

Community Bancshares, Inc., Newport, 

Arkansas, for total ownership of up to 32 

percent.

M&P COMMUNITY 

BANCSHARES, INC. 401(K) 

EMPLOYEE STOCK OWNERSHIP 

PLAN

* 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 September 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/31/2007

Notice by First Trust Company of Onaga, N.A. 

FBO LeRoy Albjerg, IRA, Arden Hills, 

Minnesota; US Bancorp Piper Jaffray custodian 

FBO Harold Broman, Jr., North St. Paul, 

Minnesota; Larry Dunn, Stacy, Minnesota; and 

Diana Makens, Las Vegas, Nevada, to join an 

existing group acting in concert: Walter G. Fries, 

Wabasha, Minnesota; Raymond B. Pinson, Del 

Ray Beach, Florida; Kenneth D. Myers, Apple 

Valley, Minnesota; GLA Investments, L.L.C., 

Lakeville, Minnesota, Gary Anderson as general 

partner; AMSIE Enterprises, LLC, Minnetonka, 

Minnesota, Donald Eisma as general partner; 

Nancy Ludwig and Francis N. Ludwig, Apple 

Valley, Minnesota; Richard B. Lambert, Jr., 

Apple Valley, Minnesota; Russell S. Sampson, 

Prior Lake, Minnesota; Curtis A. Sampson, 

Hector, Minnesota; Brett D. Reese, Northfield, 

Minnesota; S & L Investments, LLP, 

Bloomington, Minnesota, David Stueve as 

general partner; Savage Capitalists, LLP, 

Bloomington, Minnesota, David Stueve as 

general partner; Pershing LLC FBO Richard D. 

Estenson IRA, Northfield, Minnesota; Charles 

and Cindy Beske, Lakeville, Minnesota; and 

Brian Bauer, Garvin, Minnesota, to gain control 

of 25 percent or more of the shares of Access 

Bancshares, Inc., Champlin, Minnesota, and 

thereby indirectly gain control of Access Bank, 

Champlin, Minnesota.

ACCESS BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

BHCB Holding Company, Rapid City, South 

Dakota, to become a bank holding company by 

acquiring 100 percent of Black Hills Community 

Bank, Rapid City, South Dakota, a de novo 

bank.

BHCB Holding Company

Newspaper:

Federal Register:

CIC Not available

Not available

Change in control notice by Michael L. Frei, 

Pickstown, South Dakota to join a group acting 

in concert by acquiring shares of Commercial 

Holding Company, Wagner, South Dakota, and 

thereby indirectly acquiring control of 

Commercial State Bank, Wagner, South Dakota.

COMMERCIAL HOLDING 

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

First PREMIER Bank, Sioux Falls, South Dakota, 09/20/2007

to establish a branch facility to be located at 

4001 West Benson Road, Sioux Falls, South 

Dakota.

FIRST PREMIER BANK

* 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 September 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

10/11/2007

Century Financial Services Corporation, Santa 

Fe, New Mexico, to engage in leasing of real 

property activities.

CENTURY FINANCIAL 

SERVICES CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Grant County Bank Employee Stock Ownership 

Plan, to become a bank holding company 

through the retention of 25.60 percent of the 

voting shares of Resource One, Inc., parent of 

Grant County Bank, all of Ulysses, Kansas.

GRANT COUNTY BANK 

EMPLOYEE STOCK OWNERSHIP 

PLAN

Newspaper:

Federal Register:

CIC Not available

Not available

Notification by Joseph M. Sullivan, Ulysses, 

Kansas, as co-trustee of the Grant County Bank 

Employee Stock Ownership Plan (ESOP), to 

retain control of ESOP and its subsidiaries, 

Resource One, Inc., and Grant County Bank, all 

in Ulysses, Kansas.

GRANT COUNTY BANK 

EMPLOYEE STOCK OWNERSHIP 

PLAN

Newspaper:

Federal Register:

CIC 09/27/2007

09/10/2007

Notice by Shaun R. Hayes, St. Louis, Missouri, 

to acquire control of Investors Financial 

Corporation of Pettis County, Inc., parent of 

Excel Bank, both in Sedalia, Missouri, through 

the acquisition of voting shares.

INVESTORS FINANCIAL 

CORPORATION OF PETTIS 

COUNTY, 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 September 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 10/13/2007

10/09/2007

JLL Associates G. P. FCH, L.L.C.; JLL 

Associates FCH, L.P.; JLL Partners Fund FCH, 

L.P.; and JLL/FCH Holdings I, LLC, all of New 

York, New York, to become bank holding 

companies by acquiring 54.7 percent of FC 

Holdings, Inc., Houston, Texas, and indirectly 

acquire FC Holdings of Delaware, Inc., 

Wilmington, Delaware; First Community 

Bank-The Woodlands, National Association, 

Tomball, Texas; First Community Bank Central 

Texas, N.A., Meridian, Texas; First Community 

Fort Bend, N.A., Sugar Land, Texas; and First 

Community Bank San Antonio, N.A., San 

Antonio, Texas.

JLL ASSOCIATES G. P. FCH, 

L.L.C.

* 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 September 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Waived

10/22/2007

Franklin Resources, Inc., San Mateo, California, 

to retain 5.01 percent of Corus Bankshares, Inc., 

and thereby indirectly its subsidiary, Corus 

Bank, N.A., both of Chicago, Illinois.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

San Joaquin Bank, Bakersfield, California, to 09/28/2007

establish a branch facility at the northeast 

corner of Panama Lane and Stine Road, 

Bakersfield, California.

SAN JOAQUIN BANK

* 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