Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 31 

Week Ending August 2, 2008

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

Credit Scoring and Fair Lending -- statement by Sandra F. Braunstein, Director of the 

Division of Consumer and Community Affairs, to the Subcommittee on Oversight 

and Investigations, Committee on Financial Services, U.S. House of Representatives, 

regarding the nexus between the efforts of the Board to combat credit discrimination 

and the use by lenders of credit scoring systems to evaluate consumers' credit risk.

- Submitted, July 28, 2008

Banks, Foreign

International Bank of Azerbaijan, Baku, Azerbaijan -- to establish a representative 

office in New York, New York.

- Approved, July 31, 2008

Monetary and Financial Policy

Existing Liquidity Facilities -- enhancements to the Federal Reserve's existing 

liquidity facilities, including extension of the Term Securities Lending Facility 

(TSLF) (approved jointly with the FOMC) and the Primary Dealer Credit Facility 

(approved by the Board) through January 30, 2009; introduction of auctions of 

options on draws on the TSLF (approved by the FOMC); introduction of 84-day 

Term Auction Facility (TAF) loans as a complement to 28-day TAF loans (approved 

by the Board); and increase in the Federal Reserve's swap line with the European 

Central Bank (approved by the FOMC).

- Announced, July 30, 2008

H.2 Board Actions July 27, 2008 to August 2, 2008

(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 Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

July 27, 2008 to August 2, 2008

Bank Branches, Domestic

CapStar Bank, Nashville, Tennessee -- to establish a branch at 5500 Maryland Way, 

Suite 130, Brentwood.

Atlanta

- Withdrawn, July 28, 2008

First Bank, Creve Coeur, Missouri -- to establish a branch at 6851 Lonetree 

Boulevard, Rocklin, California.

St. Louis

- Approved, July 30, 2008

First Navy Bank, Pensacola, Florida -- to retain a branch at 5560 West Highway 98, 

Pensacola, and to retain an increase in bank premises.

Atlanta

- Approved, July 30, 2008

Johnson Bank, Racine, Wisconsin -- to establish a branch at 1902 West Parkside 

Lane, Phoenix, Arizona.

Chicago

- Approved, August 1, 2008

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish branches at 2363 

Vanderbilt Beach Road, Naples, Florida; 2722 East Burleigh Boulevard, Tavares; 

136th and Olio Road, Fishers, Indiana; and 2369 North Morton Street, Franklin.

Secretary

- Approved, July 31, 2008

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

Rocky Mountain Bank,Wilson, Wyoming -- to establish a branch at 890 West 

Broadway, Jackson, and to relocate its main office from Rock Springs to Wilson, 

and to establish Rock Springs as a branch.

Kansas City

- Approved, August 1, 2008

Bank Holding Companies

BNC Financial Group, Inc., New Canaan, Connecticut -- to acquire The Bank of 

Fairfield, Fairfield, in formation.

New York

- Approved, July 30, 2008

Evolve Financial Group, Inc., Cordova, Tennessee -- to acquire AFS Investment 

Advisors, Inc., Austin, Texas, and thereby engage in investment advisory activities.

St. Louis

- Approved, July 31, 2008

LARASCO, Inc., Bellevue, Washington -- modification of a commitment.

Director, BS&R

- Granted, July 30, 2008

Niagara Bancorporation, Inc., Niagara, Wisconsin -- to become a bank holding 

company and to acquire The First National Bank of Niagara, Niagara.

Chicago

- Approved, August 1, 2008

H.2 Actions under delegated authority July 27, 2008 to August 2, 2008

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

RMB Holdings, LLC., Birmingham, Alabama -- to become a bank holding company 

and to acquire shares of Americus Financial Services, Inc., Birmingham, and its 

subsidiary bank, Red Mountain Bank, N.A., and for ATB Management, LLC to 

acquire an interest in RMB Holdings, LLC, and Bank.

Atlanta

- Approved, July 31, 2008

TCB Corporation, Greenwood, South Carolina -- to acquire shares of Greenwood 

Capital Associates, LLC, Greenwood, and thereby engage in financial and 

investment advisory services.

Richmond

- Approved, July 31, 2008

Bank Mergers

Bank of Essex, Tappahannock, Virginia -- to merge with TransCommunity Bank, 

National Association, Manakin-Sabot, and to establish branches.

Richmond

- Approved, July 30, 2008

Banks, Foreign

The Huntington National Bank, Columbus, Ohio -- to form an agreement corporation 

subsidiary, Creditron Canada Holding Corp., Columbus, and retain an interest in 

Creditron Canada, Inc., Mississauga, Ontario, Canada.

Cleveland

- Withdrawn, July 31, 2008

H.2 Actions under delegated authority July 27, 2008 to August 2, 2008

(A/C) = Addition or Correction Delegated - 3 of 4
Change In Bank Control

Lafayette Community Bancorp, Lafayette, Indiana -- to acquire an interest in 

Lafayette Community Bancorp, Lafayette, and thereby indirectly acquire Lafayette 

Community Bank.

Chicago

- Approved, July 29, 2008

Extensions Of Time

Grundy Bank, Morris, Illinois -- extension to October 27, 2008, to establish a branch 

at 2650 East Division Street, Diamond.

Chicago

- Granted, July 31, 2008

NRBC Holding Corporation, Chicago, Illinois -- extension to November 1, 2008, to 

become a bank holding company and to acquire The National Republic Bank of 

Chicago, Chicago.

Chicago

- Granted, July 31, 2008

H.2 Actions under delegated authority July 27, 2008 to August 2, 2008

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

Federal Reserve Bank of Boston

Filings received during the week ending August 2, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 Not available

Campello Bancorp, Inc., Brockton, 

Massachusetts to acquire, pursuant to section 

3(a)(1) of the BHC Act, 100% of the voting 

shares of The Community Bank, A 

Massachusetts Co-operative Bank, Brockton, 

Massachusetts in connection with the 

conversion of Campello Bancorp, Brockton, 

Massachusetts from mutual to stock form.

Campello Bancorp, Inc.

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 08/15/2008

Application by WebFive, MHC and WebFive 

Financial Services, Inc., both of Webster, 

Massachusetts - to become a mutual bank 

holding company and stock bank holding 

company, respectively, by acquiring Webster 

Five Cents Savings Bank, Webster, 

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

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

of 1956, as amended.

WEBFIVE 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 August 2, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 08/08/2008

Buffalo, New York to establish a branch at 1829 

Reisterstown Road, Pikesville, Baltimore 

County, Maryland.

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 August 2, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 08/25/2008

08/25/2008

Embassy Bancorp, Inc., Bethlehem, PA, to 

become a bank holding company by acquiring 

Embassy Bank for the Lehigh Valley, Bethlehem, 

PA.

EMBASSY BANCORP, INC

* 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 August 2, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/24/2008

07/15/2008

Interagency Notice of Change in Control filed 

by the Reed Family Control Group of its intent 

to retain up to 27.73% of the outstanding voting 

shares of Farmers Bancshares, Inc., Pomeroy, 

OH.

FARMERS BANCSHARES, 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 August 2, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

08/18/2008

City First Entreprises, Inc., Washington, DC, to 

engage in lending and community development 

activities.

CITY FIRST ENTERPRISES, INC.

Newspaper:

Federal Register:

Member Not available

* Branch Not applicable

First Financial Bank, Fairfax, Virginia (in 

organization), to become a member of the 

Federal Reserve System.

FIRST FINANCIAL BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Union Bank and Trust Company, Bowling 08/09/2008

Green, Virginia, proposes to establish a branch 

at 9611 Jefferson Davis Highway, 

Fredericksburg, Virginia.

UNION BANK AND TRUST 

COMPANY

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Xenith Bank, Richmond, Virginia, an organizing 

bank, to become a member of the Federal 

Reserve Bank.

Xenith 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 August 2, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Altrust Financial Services, Inc., Cullman, 

Alabama, to acquire 100 percent of the 

outstanding shares of Generation Bank, Centre, 

Alabama (in organization).

ALTRUST FINANCIAL 

SERVICES, INC.

Newspaper:

Federal Register:

* 3A1

4c8

08/22/2008

08/29/2008

EdBancorp, Inc., and Educational Services of 

America, Inc., both of Knoxville, Tennessee, to 

become bank holding companies by acquiring 

100 percent of the outstanding shares of 

Community Bank of the Cumberlands, 

Jamestown, Tennessee. In addition, Educational 

Services of America, Inc., Knoxville, Tennessee, 

to acquire 100 percent of the outstanding share 

of EdSouth Funding, LLC, Knoxville, 

Tennessee, and thereby engage in making, 

acquiring, brokering loans, or other extensions 

of credit.

EDBANCORP, INC.

Newspaper:

Federal Register:

* 3A1 08/25/2008

08/29/2008

First Freedom Bancshares, Inc., to become a 

bank holding company by acquiring 100 percent 

of the outstanding shares of First Freedom 

Bank, both of Lebanon, Tennessee.

FIRST FREEDOM BANCSHARES, 

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Flagler Bank, Fort Lauderdale (West Palm 08/15/2008

Beach), Florida, to establish a branch located at 

555 Northlake Boulevard, North Palm Beach, 

Florida.

FLAGLER BANK

Newspaper:

Federal Register:

* Branch

Not applicable

LandMark Bank of Florida, Sarasota, Florida, to 08/09/2008

establish a branch located at 1951 Honore 

Avenue, Sarasota, Florida, to be known as the 

LandMark Bank of Florida Kobernick Office.

LANDMARK BANK OF 

FLORIDA

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Monte de Piedad y Caja de Ahorros San 

Fernando de Huelva, Sevilla, Spain (CAJASOL), 

to establish a representative office in Miami, 

Florida.

MONTE DE PIEDAD Y CAJA DE 

AHORROS SAN FERNANDO DE 

HUELVA

Newspaper:

Federal Register:

* Branch

Not applicable

Old Southern Bank, Orlando, Florida, to 08/08/2008

establish a branch located at 2491 West State 

Road 434, Longwood, Florida, to be known as 

the Springs Plaza Branch.

OLD SOUTHERN BANK

Newspaper:

Federal Register:

* 3A5 08/29/2008

08/29/2008

Whitney Holding Corporation, New Orleans, 

Louisiana, to merge with Parish National 

Corporation, and thereby acquire its subsidiary, 

Parish National Bank, both of Covington, 

Louisiana.

WHITNEY HOLDING 

CORPORATION

* 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 August 2, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

08/28/2008

BOSP Bancshares, Inc., Sun Prairie, Wisconsin, 

to become a bank holding company by 

acquiring 100 percent of the voting shares of 

Bank of Sun Prairie, Sun Prairie, Wisconsin.

BOSP BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

09/02/2008

First Community Financial Partners, Inc., Joliet, 

Illinois, to acquire at least 57.8 percent of the 

voting shares of First Community Bank of 

Plainfield (in organization), Plainfield, Illinois.

FIRST COMMUNITY 

FINANCIAL PARTNERS, INC.

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

08/08/2008

Hometown Community Bancorp, Inc., Morton, 

Illinois and Hometown Community Bancorp 

Employee Stock Ownership Plan and Trust, 

Morton, Illinois, to merge with Alpha Financial 

Group, Inc., Toluca, Illinois and Alpha Financial 

Group, Inc. Employee Stock Ownership Plan, 

Toluca, Illinois, and thereby indirectly acquire 

Alpha Community Bank, Toluca, Illinois, and 

the related application by Morton Community 

Bank, Morton, Illinois, to merge with Alpha 

Community Bank, Toluca, Illinois, and thereby 

to establish 4 branches.

HOMETOWN COMMUNITY 

BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 08/15/2008

06/02/2008

IBT Bancorp, Inc., Mt. Pleasant, Michigan, to 

retain 5.9 percent of the voting shares of Valley 

Financial Group, Ltd., Saginaw, Michigan, and 

thereby indirectly retain shares of 1st State 

Bank, Saginaw, Michigan.

IBT BANCORP, INC.

Newspaper:

Federal Register:

* 3A3

4c8

06/04/2008

08/29/2008

Premier Bancorp of Illinois, Inc., Farmer City, 

Illinois, to retain ownership of 20.8 percent of 

the outstanding voting shares of FM Bancorp, 

Inc., Paxton, Illinois, and thereby to indirectly 

retain ownership of Farmers-Merchants 

National Bank of Paxton, Paxton, Illinois, and to 

retain an indirect 40 percent ownership interest 

in TriCapital, L.L.C., Indianapolis, Indiana, and 

thereby to continue engaging in credit 

extending and loan servicing activities.

PREMIER BANCORP OF 

ILLINOIS, 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 August 2, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 August 2, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

American State Bank, Pierre, South Dakota, to 

establish a mobile branch facility to be located 

in Pierre, and Fort Pierre, South Dakota.

AMERICAN STATE BANK OF 

PIERRE

Newspaper:

Federal Register:

CIC 08/18/2008

08/18/2008

Notice by John Smoluch and Donna Smoluch, 

both of Coon Rapids, Minnesota to retain and 

acquire control of Community Pride Bank 

Corporation, Ham Lake, Minnesota, and thereby 

indirectly retain and acquire control of 

Community Pride Bank, Isanti, Minnesota.

COMMUNITY PRIDE BANK 

CORPORATION

Newspaper:

Federal Register:

* 3A5 07/30/2008

08/01/2008

NATCOM Bancshares, Inc., Superior, 

Wisconsin, to acquire 100 percent of Superior 

Bancorporation, Ltd., Superior, Wisconsin, and 

thereby indirectly acquire Community Bank, 

Superior, Wisconsin.

NATCOM BANCSHARES,INC.

Newspaper:

Federal Register:

CIC Not available

08/13/2008

David Schornack, Perham, Minnesota, 

individually and as a part of a group acting in 

concert with Denise Schornack, Perham, 

Minnesota, Daniel Welter, New York Mills, 

Minnesota, and Bonnie Welter New York Mills, 

Minnesota, to acquire control of Quality 

Bankshares, Inc., Fingal, North Dakota, and 

thereby indirectly acquire control of Quality 

Bank, Fingal, North Dakota.

QUALITY BANKSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

08/06/2008

Notice by John Richard Doherty, Oswego, 

Illinois, to retain 10 percent or more of the 

shares of West End Financial Corporation, 

Bessemer, Michigan, and thereby indirectly 

retain control of Gogebic Range Bank, 

Bessemer, Michigan.

WEST END FINANCIAL CORP.

* 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 August 2, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/18/2008

Notice submitted by the Barbara Dean Flaming 

Trust and Brenda Jean Flaming Salinas, trustee; 

the Brenda Jean Flaming Trust and Barbara 

Dean Flaming Waite, trustee; the Michael Todd 

Flaming Trust and Brenda Jean Flaming Salinas, 

trustee; and the Flaming Children 2008 

Irrevocable Trust and Gerald R. Chelgren, 

trustee; all of Cherokee, Oklahoma, part of a 

group acting in concert, to acquire/retain 

control of Alfalfa County Bancshares, Inc., 

parent of ACB Bank, both in Cherokee, 

Oklahoma.

ALFALFA COUNTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Community Banks of Colorado, Greenwood 

Village, Colorado, to establish a branch at 320 

Main Street, Suite 100, Carbondale, Colorado.

COMMUNITY BANKS OF 

COLORADO

Newspaper:

Federal Register:

CIC Not available

08/21/2008

Notice by the Schifferdecker Limited 

Partnership, Girard, Kansas; Mark W. 

Schifferdecker, Girard, Kansas; Susan B. 

Friesen, Omaha, Nebraska; and Joy L. Shoop, 

Hiawatha, Kansas; as general partners, to 

acquire control of GN Bankshares, Inc., parent 

of The Girard National Bank , both in Girard, 

Kansas, through the acquisition of voting 

shares.

GN BANKSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Security Bank, to relocate its main office from 08/15/2008

Pawnee, Oklahoma, to Tulsa, Oklahoma, thereby 

establishing the Pawnee, Oklahoma location as 

a branch.

SECURITY BANK

Newspaper:

Federal Register:

CIC Not available

08/13/2008

Notice submitted by Robyn E. Batson, Broken 

Bow, Oklahoma, as trustee of the Linda Lake 

Young Irrevocable Trust, the Lori Lee Young 

Irrevocable Trust, and the Robyn Elizabeth 

Batson Irrevocable Trust, to acquire control of 

Southeastern Bancshares, Inc., parent of 1st 

Bank & Trust, both in Broken Bow, Oklahoma.

SOUTHEASTERN 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

08/20/2008

Notice submitted by Charles I. Moyer 

Revocable Trust, Charlotte L. Moyer Family 

Trust, and Charlotte L. Moyer Marital Trust, 

Charles I. Moyer, Phillipsburg, Kansas, trustee; 

C. Bryant Moyer, Topeka, Kansas; Clinton I. 

Moyer, Borger, Texas; all as members of the 

Moyer Family Group; and Jaret Moyer, Emporia, 

Kansas, individually and as a member of the 

Moyer Family Group; to acquire control of 

Woodbine Agency, Inc., parent of The Citizens 

State Bank and Trust Company, both in 

Woodbine, Kansas.

WOODBINE AGENCY, 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 August 2, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

BOH Holdings, Inc., Houston, Texas, to become 

a bank holding company by acquiring 100 

percent of Bank of Houston, Houston, Texas.

BOH HOLDINGS, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First Bank of Brownfield, Lubbock, Texas, to 

become a member of the Federal Reserve 

System. (To be renamed Lone Star State Bank 

of West Texas, Lubbock, Texas.)

FIRST BANK OF BROWNFIELD

Newspaper:

Federal Register:

CIC 08/13/2008

08/13/2008

Notice by Mr. John Mangan, San Antonio, 

Texas, as independent trustee of the LCK 1993 

Trust, LCK Dynasty Trust, LCK Legacy Trust, 

the Katz Millennium Trust, and LCK Trust #2, 

that together own voting shares of First 

Community Bancshares, Inc., Houston, Texas, 

and indirectly acquire First National Bank Texas, 

Killeen, Texas, and Fort Hood National Bank, 

Fort Hood, Texas.

FIRST COMMUNITY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Lone Star State Bank of West Texas, Lubbock, 07/29/2008

Texas, to merge with First Bank of Brownfield, 

Brownfield, Texas, and establish a branch at 300 

West Main Street, Brownfield, Texas 79316.

LONE STAR STATE BANK OF 

WEST TEXAS

Newspaper:

Federal Register:

CIC Not available

08/07/2008

The Vanco Trusts, the Vannie Cook Trusts, and 

Mr. James William Collins, as trustee, all of 

McAllen, Texas, propose to acquire an interest 

in Medina Bankshares, Inc., Hondo, Texas, and 

indirectly acquire D'Hanis State Bank, D'Hanis, 

Texas.

MEDINA BANKSHARES, 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 August 2, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Russell Goldsmith, individually, and 

as part of a family group, including the Bram & 

Elaine Goldsmith Family Trust, the Elaine 

Goldsmith Revocable Trust, the Bruce Leigh 

Goldsmith Revocable Trust, the Goldsmith 

Family Partnership, the Goldsmith Family 

Foundation, and other related family trusts, 

partnerships, and foundations, to retain control 

and to acquire additional shares of City National 

Corporation, and thereby indirectly its 

subsidiary, City National Bank, both of Beverly 

Hills, California.

CITY NATIONAL 

CORPORATION

* 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