Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 24

Week Ending June 16, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions June 10, 2007 to June 16, 2007

Advisory Councils

Consumer Advisory Council -- request for nominations for ten new members.

- Announced, June 15, 2007 

Bank Holding Companies

The Bank of New York Mellon Corporation, New York, New York -- to become a 

bank holding company and to merge with The Bank of New York Company, Inc. 

and Mellon Financial Corporation, Pittsburgh, Pennsylvania, and thereby acquire 

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

Pennsylvania; and their other subsidiary banks, and election to become a financial 

holding company.

- Approved, June 12, 2007 

Citigroup Inc., New York, New York -- request for an exception from the Board's 

risk-based capital guidelines that would lower the risk weight for Regulation T 

margin loans.

- Granted, June 14, 2007 

First Busey Corporation, Urbana, Illinois -- to merge with Main Street Trust, Inc., 

Champaign, and thereby acquire Main Street Bank & Trust.

- Approved, June 14, 2007 

Wachovia Corporation, Charlotte, North Carolina -- request for an exemption from 

section 23A of the Federal Reserve Act.

- Granted, June 11, 2007 

Banks, Nonmember, And Miscellaneous Institutions

Western Corporate Federal Credit Union, San Dimas, California -- request to retain 

its "bankers' bank" exemption from reserve requirements after admission into 

membership of Credit Union Central of British Columbia.

- Granted, June 15, 2007 

Forms

Forms -- final Board review to extend with revision the uniform interagency 

Transfer Agent Registration and Amendment Form (FR TA-1).

- Approved, June 12, 2007 

(AC) = Addition or Correction Board - Page 1 of 2
H.2 Board Actions June 10, 2007 to June 16, 2007

Regulations And Policies

Host state lending ratios -- interagency release of the host state loan-to-deposit ratios 

used by the banking agencies to determine compliance with the Riegle-Neal 

Interstate Banking and Branching Efficiency Act.

- Published, June 12, 2007 

Reserve Bank Operations

Federal Reserve Bank of Boston -- appointment of Eric Rosengren as President, 

effective July 23, 2007.

- Approved, June 11, 2007 

(AC) = Addition or Correction Board - Page 2 of 2
June 10, 2007 to June 16, 2007

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

The Commercial and Savings Bank of Millersburg, Ohio, Millersburg, Ohio -- to 

establish a branch at 91 North Clay Street.

- Approved, June 12, 2007 

Cleveland

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 4220 Cleveland 

Avenue Northwest, Canton.

- Approved, June 15, 2007 

Cleveland

First Citizens Bank, Elizabethtown, Kentucky -- to establish a branch at 638 South 

Dixie Avenue, Radcliff.

- Approved, June 12, 2007 

St. Louis

First State Bank, Conway, Arkansas -- to establish a mobile branch to operate in 

White County.

- Approved, June 13, 2007 

St. Louis

Gateway Bank & Trust Co., Elizabeth City, North Carolina -- to establish a branch 

at 8470 Falls of Neuse Road, Raleigh.

- Approved, June 11, 2007 

Richmond

Midwest Bank of Western Illinois, Monmouth, Illinois -- to establish a branch at the 

intersection of Grant Avenue and North Seminary Street, Galesburg.

- Approved, June 15, 2007 

Chicago

Sun American Bank, Boca Raton, Florida -- to establish a branch at 2171 Southeast 

Federal Highway, Stuart.

- Approved, June 14, 2007 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority June 10, 2007 to June 16, 2007

Bank Holding Companies

BOK Financial Corporation, Tulsa, Oklahoma -- to acquire United Banks of 

Colorado, Inc., Englewood, Colorado, and First United Bank, National Association.

- Approved, June 12, 2007 

Kansas City

Capital One Financial Corporation, McLean, Virginia -- waiver of application in 

connection with the conversion of Capital One, F.S.B., to a commercial bank to 

facilitate its merger with Capital One, National Association, New Orleans, 

Louisiana.

- Granted, June 15, 2007 

Richmond

Community First Bancshares, Inc., Harrison, Arkansas -- to acquire additional 

shares of White River Bancshares Company, Fayetteville, and thereby acquire 

Signature Bank.

- Approved, June 14, 2007 

St. Louis

CVB Financial Corp., Ontario, California -- waiver of application to merge with 

First Coastal Bancshares, Manhattan Beach, in connection with the merger of First 

Coastal Bank, N.A. and Citizens Business Bank, Ontario.

- Granted, June 14, 2007 

San Francisco

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

Corp NY, Glenville, New York, a federal savings bank.

- Approved, June 12, 2007 

San Francisco

Home Bancshares, Inc., Conway, Arkansas -- to acquire additional shares of White 

River Bancshares Company, Fayetteville, and thereby acquire Signature Bank.

- Approved, June 14, 2007 

St. Louis

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority June 10, 2007 to June 16, 2007

Bank Holding Companies

Mesaba Bancshares, Inc., Grand Rapids, Minnesota -- to acquire Evergreen 

Bancshares, Inc., Two Harbors, and thereby acquire The Lake Bank.

- Approved, June 12, 2007 

Minneapolis

Prairieland Bancorp Employee Stock Ownership Plan and Trust, Bushnell, Illinois -- 

to increase its ownership of Prairieland Bancorp, Inc. and Farmers and Merchants 

State Bank.

- Approved, June 13, 2007 

Chicago

Providence Bancshares Corporation, Southlake, Texas -- to become a bank holding 

company and to acquire Providence Bank of Texas.

- Withdrawn, June 11, 2007 

Dallas

SouthCrest Financial Group, Inc., Fayetteville, Georgia -- to acquire Bank of 

Chickamauga, Chickamauga.

- Approved, June 15, 2007 

Atlanta

St. Anne Bancorp, Inc., St. Anne, Illinois -- to become a bank holding company and 

to acquire National Bank of St. Anne.

- Approved, June 15, 2007 

Chicago

State Street Corporation, Boston, Massachusetts -- to acquire Investors Financial 

Services Corp. and its subsidiary, Investors Bank & Trust Company, and for State 

Street Bank and Trust Company to merge with Investors Bank & Trust Company 

and thereby establish a branch.

- Approved, June 14, 2007 

Secretary

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority June 10, 2007 to June 16, 2007

Bank Mergers

Capital One Bank, Glen Allen, Virginia -- to acquire certain assets and assume 

certain liabilities of Capital One, F.S.B., McLean.

- Approved, June 15, 2007 

Richmond

Banks, Foreign

Victoria Mutual Building Society, Kingston, Jamaica -- to establish a representative 

office in Miami, Florida.

- Approved, June 14, 2007 

Director, BS&R

Extensions Of Time

Bank of Whitman Employee Stock Ownership Plan, Colfax, Washington -- 

extension to August 30, 2007, to acquire shares of Whitman Bancorporation and 

thereby acquire an additional interest in Bank of Whitman.

- Granted, June 13, 2007 

San Francisco

BNC Financial Group, Inc., New Canaan, Connecticut -- extension to September 15, 

2007, to become a bank holding company with respect to The Bank of New Canaan.

- Granted, June 14, 2007 

New York

Citigroup Inc., New York, New York -- extension to September 30, 2007, to 

acquire, through Citigroup Holdings Mauritius, Ltd., Republic of Mauritius, and 

Citigroup Strategic Holdings Mauritius, Ltd, an additional interest in Housing 

Development Finance Corporation Limited, Mumbai, India.

- Granted, June 14, 2007 

New York

First Banks, Inc., Hazelwood, Missouri -- extension to September 10, 2007, to 

acquire additional shares of Community West Bancshares, Goleta, California, and 

thereby acquire Community West Bank, National Association.

- Granted, June 11, 2007 

St. Louis

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority June 10, 2007 to June 16, 2007

Extensions Of Time

First National Bank Group, Inc., Edinburg, Texas -- extension to September 11, 

2007, to acquire shares of Southside Bancshares, Inc., Tyler, and thereby acquire 

Southside Delaware Financial Corporation, Dover, Delaware, and Southside Bank, 

Tyler, Texas.

- Granted, June 11, 2007 

Dallas

Kansas Pacific Investments, LLC, Hays, Kansas -- extension to September 25, 2007, 

to become a bank holding company and to acquire First National Bank.

- Granted, June 12, 2007 

Kansas City

Financial Holding Companies

Mansura Bancshares, Inc., Mansura, Louisiana -- election to become a financial 

holding company.

- Effective, June 13, 2007 

Atlanta

Membership

Medway Co-Operative Bank, Medway, Massachusetts -- to become a member of the 

Federal Reserve System.

- Approved, June 13, 2007 

Boston

(AC) = Addition or Correction Delegated - Page 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending June 16, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Application by The Connecticut Bank and

Trust Company, Hartford, Connecticut, to open

a de novo branch in Rocky Hill, Connecticut,

pursuant to section 9 of the Federal Reserve

Act and section 208.6 of Regulation H.

CONNECTICUT BANK &

TRUST COMPANY, THE

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Section 4(c)(8) notification by Machias

Bancorp MHC and Machias Bancorp, Inc.,

both of Machias, Maine to acquire a 25%

additional interest in M&M Consulting

Limited Liability Company, Bangor, Maine.

MACHIAS BANCORP, 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 June 16, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Landsbanki Islands hf., Reykjavik, Iceland is

applying to establish and maintain a branch in

New York.

LANDSBANKI ISLANDS HF

* 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 June 16, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

2354985 NEW CENTURY BK, PHOENIXVILLE, PENNSYLVANIA 01/29/2007 06/11/2007 S Small Bank

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 June 16, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Application by Citizens National Bank of

Jessamine County, Nicholasville, KY to

become a member of the Federal Reserve

System.

CITIZENS NATIONAL BANK

OF JESSAMINE COUNTY

Newspaper:

Federal Register:

* 3A3

CIC

07/08/2007

07/09/2007

Citizens National Corporation, Paintsville,

Kentucky, to acquire 100 percent of Kentucky

National Bank of Pikeville, Pikeville, Kentucky

CITIZENS NATIONAL

CORPORATION

Newspaper:

Federal Register:

* 4c8 07/09/2007

06/29/2007

Fifth Third Bancorp, Cincinnati, Ohio, to

acquire 100 percent of R-G Crown Bank, FSB,

Casselberry, Florida, pursuant to section

4(c)(8) of the Bank Holding Company Act

FIFTH THIRD BANCORP

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Application by PNC Bank, Delaware, 07/05/2007

Wilmington, Delaware, to acquire nine

Delaware branches from PNC Bank, NA,

Pittsburgh, Pennsylvania

PNC BANK, DELAWARE

* 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 June 16, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Farmers Bank, Windsor, Virginia, to increase

its investment in bank premises.

FARMERS BANK, WINDSOR

VA

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Raleigh, North Carolina, 06/21/2007

proposes to establish a branch at 200

Providence Road, Charlotte, North Carolina.

RBC CENTURA BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by The First Neighborhood Bank

Employee Stock Ownership Plan to retain

control of West-Central Bancorp, Inc.,

Spencer, West Virginia.

WEST-CENTRAL 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 June 16, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Bancolombia S.A., Medellin, Columbia,

proposes to acquire Bienes y Servicios,S.A.,

Santa Tecla, El Salvador, and thereby engage

in activities related to money transfer services

and selling prepaid calling cards. The

activities will be engaged in pursuant to 12

C.F.R. § 225.28(b)(14) and prior Board Orders

(see Midland Bank, PLC, 76 Fed. Res. Bull.

860 (October 1990); Norwest Corporation, 81

Fed. Res. Bull. 1130 (December 1995); and

Popular, Inc., 84 Fed. Res. Bull. 481 (June

1998 (prepaid telephone cards). See also

BankBoston Corporation, et. al., 85 Fed. Res.

Bull. 582 (August 1999) (electronic fund

transfer related data processing and

transmission services); The Bank of Nova

Scotia, et. al., 83 Fed. Res. Bull. 127 (February

1997) (foreign exchange clearing and

settlement services); CoreStates Financial

Corp., et. al., 79 Fed. Res. Bull. 1158

(December 1993) (electronic payments

devices); Avantor Financial Corporation, 76

Fed. Res. Bull. 779 (September 1990)

(electronic fund transfer services); Citicorp, 68

Fed. Res. Bull. 505 (August 1982) (electronic

fund transfers and check clearing and

collection services).

BANCOLOMBIA S.A.

Newspaper:

Federal Register:

* Branch

Not applicable

Citizens Trust Bank, Atlanta, Georgia, to 07/02/2007

establish a branch located at 3172 Macon

Road, Columbus, Georgia.

CITIZENS TRUST BANK

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Enterprise Bancorp, Inc., notice to become a

bank holding company by acquiring 100

percent of the outstanding shares of Enterprise

National Bank of Palm Beach, both of Palm

Beach Gardens, Florida.

Enterprise Bancorp, Inc.

Newspaper:

Federal Register:

* 3A1 07/09/2007

07/09/2007

NorthStar Banking Corporation, to become a

bank holding company by acquiring 100

percent of the outstanding shares of NorthStar

Bank (in organization), both of Tampa,

Florida.

NORTHSTAR BANKING

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 June 16, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Community Bank, Austin, Austin, Minnesota,

to purchase three offices from Associated

Bank, National Association, Green Bay,

Wisconsin, and thereby to establish three

branches.

COMMUNITY BANK, AUSTIN

Newspaper:

Federal Register:

* Branch

Not applicable

First Farmers Bank & Trust Co., Converse, 06/17/2007

Indiana, to establish a branch facility to be

located at 211 Hauenstein Road, Huntington,

Indiana.

FIRST FARMERS BANK &

TRUST

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 07/13/2007

Inland Bancorp Holding Company, Oak Brook,

Illinois, to indirectly acquire 100 percent of the

voting shares of Amerimark Financial

Corporation, Countryside, Illinois, and thereby

indirectly acquire Amerimark Bank, Villa

Park, Illinois, and by Inland Financial

Acquisitions, Inc., Oak Brook, Illinois, to

become a bank holding company by directly

acquiring 100 percent of the voting shares of

Amerimark Financial Corporation,

Countryside, Illinois, and thereby indirectly

acquire Amerimark Bank, Villa Park, Illinois.

INLAND BANCORP HOLDING

COMPANY

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 06/21/2007

Wisconsin, to merge with Excel Bank

Minnesota, Minneapolis, Minnesota, and

thereby to establish 4 branches.

M&I MARSHALL & ILSLEY

BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Shelby County State Bank, Shelbyville, 06/15/2007

Illinois, to establish a branch facility to be

located at 920 East Main Street, Moweaqua,

Illinois.

SHELBY COUNTY STATE

BANK

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

2744063 TOWER B&TC, FORT WAYNE, INDIANA 02/12/2007 05/29/2007 S Int Sm 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 June 16, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 07/10/2007

06/27/2007

Notice by Gaylon M. Lawrence, Jr., Nashville,

Tennessee, to gain control of Farmers Bancorp,

Inc., Blytheville, Arkansas.

FARMERS BANCORP INC.

Newspaper:

Federal Register:

* 3A3

Not available

First Horizon National Corporation, Memphis, 07/13/2007

Tennessee, and its subsidiary bank, First

Tennesse National Association, Memphis,

Tennessee, to acquire 100 percent of

Centerville State Bank, Centerville, Kansas.

FIRST HORIZON NATIONAL

CORPORATION

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Lawrenceburg National Bank, Harrodsburg,

Kentucky, to become a member of the Federal

Reserve System.

LAWRENCEBURG NATIONAL

BANK, THE

Newspaper:

Federal Register:

* 3A3 07/11/2007

07/13/2007

Mercantile Bancorp, Inc., Quincy, Illinois, to

acquire 100 percent of HNB Financial

Services, Inc., Hannibal, Missouri, and thereby

indirectly acquire HNB National Bank,

Hannibal, Missouri.

MERCANTILE BANCORP, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Northern Holdings, Inc., Kahoka, Missouri, to

become a bank holding company by acquiring

100 percent of Kahoka State Bank, Kahoka,

Missouri.

NORTHERN HOLDINGS, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Peoples Bank & Trust Co., Troy, Missouri, to 07/11/2007

purchase certain assets and assume certain

liabilities of the branch office located at 106

Business Highway 61 South, Bowling Green,

Missouri, of F & M Bank and Trust Company,

Hannibal, Missouri, and to retain the acquired

facility as a branch office.

PEOPLES BANK & TRUST CO.

* 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

28349 ALLIED BK, MULBERRY, ARKANSAS 02/05/2007 06/05/2007 S Small Bank

311845 ARVEST BK, FAYETTEVILLE, ARKANSAS 10/10/2006 05/23/2007 S Large Bank

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 June 16, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Bank of Baldwin, Baldwin, Wisconsin to

merge with Bank of Spring Valley Spring

Valley, Wisconsin and thereto establish

branches at 320 McKay Street Spring Valley,

Wisconsin and 409 Main Street Plum City,

Wisconsin.

FIRST BANK OF BALDWIN,

THE

Newspaper:

Federal Register:

CIC Not available

07/05/2007

Notice by William Sexton, Incline Village,

Nevada, as an individual, and as part of a

group acting in concert with Kevin Noble,

Minnetonka, Minnesota, Brian Schoenborn,

Saint Joseph, Minnesota, and Jason Noble,

Clara City, Minnesota, to acquire control of

Kensington Bancorp, Inc., Kensington,

Minnesota and thereby indirectly acquire

control of First State Bank of Kensington,

Kensington, Minnesota.

KENSINGTON BANCORP.,

INC.

Newspaper:

Federal Register:

CIC 06/25/2007

06/25/2007

Notice by William H. Unger, Sauk Centre,

Minnesota, and Alfred P. Minnerath, Starbuck,

Minnesota, to gain control of Sauk Centre

Financial Services Inc., Sauk Centre,

Minnesota, and thereby indirectly gain control

of First National Bank of Sauk Centre, Sauk

Centre, Minnesota.

SAUK CENTRE 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

143952 FIRST BK BALDWIN, BALDWIN, WISCONSIN 02/26/2007 06/12/2007 S Small Bank

945950 GRAND MARAIS ST BK, GRAND MARAIS, MINNESOTA 03/05/2007 06/12/2007 S Small Bank

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 June 16, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

First Community Bank, Taos, New Mexico, to

establish a branch at 2300 Louisiana NE,

Albuquerque, New Mexico.

FIRST COMMUNITY BANK

* 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 June 16, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

06/29/2007

Notice has been filed by John Luther King, Jr,

Dallas, Texas.; Teresa Ann King, Dallas,

Texas; LKCM Investment Partnership, L.P.,

Ft. Worth, Texas; New Summit Partners, L.P.,

Ft. Worth, Texas; LKCM Private Discipline

Master Fund, SPC, Grand Cayman, Cayman

Islands; J. Bryan King, Ft. Worth, Texas; and

Mason D. King, Ft. Worth, Texas, together,

acting in concert, to increase their ownership

and voting control of MS Financial, Inc.,

Kingwood, Texas, from 7.97 percent to 12.69

percent, and indirectly acquire Main Street

Bank, Kingwood, Texas.

MS FINANCIAL, INC.

Newspaper:

Federal Register:

* 3A1 Not available

06/26/2007

TrustTexas Mutual Holding Company, Cuero,

Texas, and TrustTexas Financial Group, Inc.,

Cureo, Texas, to become bank holding

companies by acquiring 100 percent of

TrustTexas Bank, S.S.B., Cuero, Texas.

TRUSTTEXAS MUTUAL

HOLDING COMPANY

Newspaper:

Federal Register:

* 3A1 Not available

4c8 07/13/2007

TTC Holdings, Inc., San Antonio, Texas, and

TTC Holdings of Delaware, Inc., Wilmington,

Delaware, to become bank holding companies

by acquiring 100 percent of The Trust

Company, San Antonio, Texas.

TTC Holdings, Inc., San Antonio, Texas, and

TTC Holdings of Delaware, Inc., Wilmington,

Delaware, to engage in Securities Brokerage

Activities through Presidio Financial Services,

Inc., San Antonio, Texas, pursuant to Section

225.28(b)(7)(i) of Regulation Y.

TTC HOLDINGS, 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 June 16, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

07/06/2007

Granite Bancshares, Inc., to become a bank

holding company by acquiring 100 percent of

Granite Community Bank, N.A., both of

Granite Bay, California.

GRANITE BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Hanmi Bank, Los Angeles, California, to 06/26/2007

establish a branch facility at 9300 Wilshire

Boulevard, Beverly Hills, California.

HANMI BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Heritage Bank of Commerce, San Jose, 06/21/2007

California, to establish a branch facility at 101

Ygnacio Valley Road, Suite 100, Walnut

Creek, California.

HERITAGE BANK OF

COMMERCE

Newspaper:

Federal Register:

* 3A1 Not available

Not available

WCB Holdings, Inc., to become a bank holding

company by acquiring 100 percent of Western

Commercial Bank, both of Woodland Hills,

California.

WCB Holdings, Inc.

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act