Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 49 

Week Ending December 6, 2008

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

Forms -- initial Board review to extend with revision the Weekly Report of Selected 

Assets (FR 2644) and to discontinue the Weekly Report of Assets and Liabilities for 

Large Banks (FR 2416) and the Weekly Report of Assets and Liabilities for Large 

U.S. Branches and Agencies of Foreign Banks (FR 2069).

- Proposed, December 1, 2008

Monetary and Financial Policy

System Liquidity Facilities -- extension through April 30, 2009, of the Primary 

Dealer Credit Facility, Asset-Backed Commercial Paper Money Market Mutual Fund 

Liquidity Facility, and Term Securities Lending Facility.

- Announced, December 2, 2008

Term Auction Facility -- TAF auction in the amount of $150 billion in 84-day credit 

on December 1, 2008.

- Announced, December 1, 2008

Regulations and Policies

Regulation Z (Truth in Lending) -- publication for comment of amendments that 

would revise the disclosure requirements for mortgage loans consistent with recent 

statutory changes made by the Mortgage Disclosure Improvement Act (Docket No. 

R-1340).

- Approved, December 2, 2008

Enforcement

SunTrust Bank, Atlanta, Georgia -- issuance of a consent order of prohibition against 

Julianne L. Gingrich, a former assistant vice president, foreign currency manager, 

and institution-affiliated party.

- Announced, December 4, 2008

H.2 Board Actions November 30, 2008 to December 6, 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

November 30, 2008 to December 6, 2008

Bank Branches, Domestic

Banco Popular North America, New York, New York -- to establish a branch at 

1 East Erie Street, Chicago, Illinois.

Secretary

- Approved, December 5, 2008

John Marshall Bank, Falls Church, Virginia -- to establish a branch at 2300 Wilson 

Boulevard, Arlington.

Richmond

- Approved, December 3, 2008

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 11255 East State Road 

70, Bradenton, Florida.

Secretary

- Approved, December 5, 2008

Bank Holding Companies

BHCB Holding Company, Rapid City, South Dakota -- to become a bank holding 

company and to acquire Black Hills Community Bank, N.A., Rapid City.

Minneapolis

- Approved, December 3, 2008

BNP Paribas, Paris, France -- to acquire shares of Shinhan Financial Group Co., Ltd., 

Seoul, Korea.

New York

- Approved, December 5, 2008

(A/C) = Addition or Correction Delegated - 1 of 3
Bank Holding Companies

BNP Paribas, Paris, France -- to engage in energy tolling and provide 

energy-management services to power plant owners in the United States indirectly 

through its proposed subsidiary bank, Fortis Bank S.A./N.V., Brussels, Belgium.

Director, BS&R

- Approved, December 5, 2008

FSB Investments, LLC, Oklahoma City, Oklahoma -- to become a bank holding 

company and to acquire MidWest Community Financial Corporation, Midwest City, 

parent of The First State Bank, Canute.

Kansas City

- Withdrawn, December 5, 2008

Peoples Bancorp, Inc., Prairie du Chien, Wisconsin -- to acquire Security State Bank, 

Guttenberg, Iowa.

Chicago

- Approved, December 5, 2008

S & T Bancorp, Inc., Indiana, Pennsylvania -- to acquire shares of Allegheny Valley 

Bancorp, Pittsburgh.

Secretary

- Approved, December 5, 2008

Yadkin Valley Financial Corporation, Elkin, North Carolina -- to acquire American 

Community Bancshares, Inc., Monroe, and thereby indirectly acquire American 

Community Bank.

Richmond

- Approved, December 1, 2008

H.2 Actions under delegated authority November 30, 2008 to December 6, 2008

(A/C) = Addition or Correction Delegated - 2 of 3
Bank Mergers

City State Bank, Ogden, Iowa -- to merge with Ames Community Bank, Ames, and 

Community Bank of Boone, Boone, and thereby establish branches.

Chicago

- Approved, December 1, 2008

Extensions of Time

The Bank of Fayette County, Moscow, Tennessee -- extension to March 5, 2009, to 

establish a branch at Highway 64 and Chickasaw Ridge Drive, Oakland.

St. Louis

- Granted, December 5, 2008

Bank Independent, Sheffield, Alabama -- extension to December 6, 2009, to establish 

a branch at Highway 72 and Nance Road, Huntsville.

Atlanta

- Granted, December 5, 2008

Cabool State Bank Employee Stock Ownership Plan, Cabool, Missouri -- extension 

to March 6, 2009, to increase its ownership of Cabool Bancshares, Inc., Cabool, and 

Cabool State Bank.

St. Louis

- Granted, December 4, 2008

H.2 Actions under delegated authority November 30, 2008 to December 6, 2008

(A/C) = Addition or Correction Delegated - 3 of 3
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending December 6, 2008

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 December 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citibank, N.A., Las Vegas, Nevada and Citibank 

Overseas Investment Corporation, New Castle, 

Delaware, pursuant to Section 211.9(f) of 

Regulation K, to make an investment in Banco 

Citicard S.A., Sao Paulo, Brazil.

CITIBANK, N.A.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

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

provides notice under Section 211.9(b)(5) and 

(c) of Regulation K for an investment by J.P. 

Morgan International Finance Limited, Newark, 

Delaware.

JPMORGAN CHASE & CO.

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 12/12/2008

Buffalo, New York to establish a branch to be 

located at 8155 Maple Lawn Boulevard, Fulton, 

Howard County, Maryland. (RSSD ID 3845930)

MANUFACTURERS AND 

TRADERS TRUST COMPANY

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending December 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending December 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Grand Rapids, 12/11/2008

MI to establish a branch at 2051 East Laraway 

Road, New Lenox, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Application by Fifth Third Bank, Grand Rapids, 

MI to establish a branch at 845 South Elmhurst 

Road, Des Plaines, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Grand Rapids, 12/11/2008

MI to establish a branch at 21403 Cicero 

Avenue, Matteson, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Grand Rapids, 12/11/2008

MI to establish a branch at 28 Orland Square 

Drive, Orland Park, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Grand Rapids, 12/11/2008

MI to establish a branch at 275 South Weber 

Road, Romeoville, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Grand Rapids, 12/11/2008

MI to establish a branch at 2443 Ocoee Apopka 

Road, Ocoee, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Grand Rapids, 12/16/2008

MI to establish a branch at the northwest corner 

of Bee Ridge Road and Beneva Road, Sarasota, 

FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Grand Rapids, 12/07/2008

MI to establish a branch at 11281 Ulmerton 

Road, Largo, FL.

FIFTH THIRD BANK

* 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 December 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Armed Forces Benefit Association, AFBA 

Investment Trust, and 5Star Financial, LLC, all 

located in Alexandria, Virginia, to become 

financial holding companies through the 

acquisition of 100% of the voting securities of 

5Star Bank, Colorado Springs, Colorado.

ARMED FORCES BENEFIT 

ASSOCIATION

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank & Trust Company, Lebanon, Virginia, 12/17/2008

to establish a branch at the intersection of 

Forest Road and Cloverdale Boulevard, Forest, 

Virginia.

FIRST BANK AND TRUST 

COMPANY, THE

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Sonabank, N.A., Charlottesville, Virginia, 

proposes to establish a branch at 1770 

Timberwood Boulevard, Suite 100, 

Charlottesville, Virginia.

SONABANK, NATIONAL 

ASSOCIATION

Newspaper:

Federal Register:

* Branch

Not applicable

United Bank, Fairfax, Virginia, proposes to 12/19/2008

establish a branch at 11921 Rockville Pike, 

Rockville, Maryland.

UNITED BANK

Newspaper:

Federal Register:

* Branch

Not applicable

United Bank, Fairfax, Virginia, proposes to 12/19/2008

establish a branch at 2030 Westmoreland Street, 

Falls Church, Virginia.

UNITED 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

 2787770 BANK OF THE JAMES, LYNCHBURG, VIRGINIA 07/21/2008 10/28/2008 S Small Bank

 3567269 SELECT BK, FOREST, VIRGINIA 07/14/2008 10/22/2008 S Small Bank

 693224 UNION B&TC, BOWLING GREEN, VIRGINIA 06/16/2008 10/27/2008 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending December 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 12/26/2008

12/26/2008

Educational Funding of the South, Inc., 

Knoxville, Tennessee, to become a bank holding 

company by acquiring 100 percent of the 

outstanding shares of Community Bank of the 

Cumberlands, Jamestown, Tennessee.

EDUCATIONAL FUNDING OF 

THE SOUTH, INC.

Newspaper:

Federal Register:

4c8 Not applicable

12/16/2008

Educational Funding of the South, Inc., 

Knoxville, Tennessee, to engage in making, 

acquiring, brokering, or servicing loans, or other 

extensions of credit.

EDUCATIONAL FUNDING OF 

THE SOUTH, INC.

Newspaper:

Federal Register:

* 4c8 Not available

Not available

First Trust Corporation, and its subsidiary, First 

Bank and Trust, both of New Orleans, 

Louisiana, to acquire 100 percent of the 

outstanding shares of Globe Bancorp, Inc, and 

its subsidiary, Globe Homestead Savings Bank, 

FSA, both of Metairie, Louisiana, and thereby 

engage in operating a savings association.

FIRST TRUST CORPORATION

Newspaper:

Federal Register:

CIC 12/17/2008

12/19/2008

Prior change in control notice filed by F.W. 

Carraway, Jr., Caroline Carraway Sutton, Ann 

Elizabeth Ray, Leslie Erin Hammelman, Nicholas 

Stephens Sutton, Matthew Yancey Sutton, and 

Emily Carraway Kemp, all of Tallahassee, 

Florida; F. Wilson Carraway, III, and Evan 

Caroline Carraway, both of Carrabelle, Florida; 

Edward H. Carraway and F.W. Carraway, II, 

both of Sarasota, Florida; Elizabeth Leigh 

Neilson, Destin, Florida; Rena Katherine Taylor, 

Alligator Point, Florida; the FMB Banking 

Corporation KSOP, F. Wilson Carraway and R. 

Michael Sims, trustees, all of Monticello, 

Florida; to collectively acquire an additional 45 

percent of the outstanding shares of FMB 

Banking Corporation, and its wholly owned 

subsidiary, Farmers & Merchants Bank, both of 

Monticello, Florida. Total pro forma ownership 

will equal 77.67 percent.

FMB 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

 150035 FIRST FARMERS & MRCH B, COLUMBIA, TENNESSEE 08/18/2008 12/01/2008 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending December 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

12/04/2008

First Community Financial Partners, Inc., Joliet, 

Illinois, to acquire at least 50.1 percent of the 

voting shares of Burr Ridge Bank and Trust (in 

organization), Burr Ridge, Illinois.

FIRST COMMUNITY 

FINANCIAL PARTNERS, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Freeport Bancshares, Inc., Freeport, Illinois, to 

acquire 100 percent of the voting shares of 

Community Redevelopment, LLC, Freeport, 

Illinois, and thereby to engage in extending 

credit and servicing loans.

FREEPORT BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Paramount Bank, Farmington Hills, Michigan, to 

merge with Paramount Bank, Las Vegas, 

Nevada, and thereby to establish a branch at 

7795 West Sahara Avenue, Las Vegas, Nevada.

PARAMOUNT BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Donald M. Soenen, Plymouth, 

Michigan, as Trustee of the Donald M. Soenen 

Trust dated 9/14/84 and Michael J. Soenen, 

Chicago, Illinois, to retain control of Plymouth 

Financial Corporation, Plymouth, Michigan, and 

thereby indirectly retain shares of New Liberty 

Bank, Plymouth, Michigan.

PLYMOUTH FINANCIAL 

CORPORATION

* 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

 280044 BAYLAKE BK, STURGEON BAY, WISCONSIN 07/09/2007 11/17/2008 S Large Bank

 982348 IOWA ST BK, HULL, IOWA 04/21/2008 11/17/2008 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 December 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 18C

* Branch

* 3A5

12/23/2008

01/02/2009

Midland States Bancorp, Inc., Effingham, 

Illinois, to acquire through merger, Waterloo 

Bancshares, Inc., Waterloo, Illinois, and thereby 

indirectly acquire Commercial State Bank of 

Waterloo, Waterloo, Illinois. Also Midland 

States Bank, Effingham, Illinois, to merge with 

Commercial State Bank of Waterloo, Waterloo, 

Illinois, and to retain the acquired facilities as 

branche offices.

MIDLAND STATES BANCORP, 

INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending December 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

12/18/2008

182 Bancshares, Inc., Mankato, Minnesota, to 

become a bank holding company by acquiring 

100 percent of Bank 182, Mankato, Minnesota, a 

de novo bank.

182 BANCSHARES, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Lincoln Holding Company, Lincoln, Montana, 

to become a bank holding company by 

acquiring 100% of the stock of the First Bank of 

Lincoln, Lincoln, Montana.

LINCOLN HOLDING COMPANY

Newspaper:

Federal Register:

CIC 12/16/2008

12/24/2008

Kirk Sandquist, Deer Lodge, Montana, 

individually, and acting in concert with Amy 

Uribe IRA, Deer Lodge, Montana, and Robert 

Uribe IRA, Deer Lodge, Montana, to acquire 

control of Sandquist Corp., Deer Lodge, 

Montana, and thereby acquire control of 

Peoples Bank of Deer Lodge, Deer Lodge, 

Montana.

SANDQUIST 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

 256553 DACOTAH BK, ABERDEEN, SOUTH DAKOTA 07/07/2008 11/21/2008 O Large 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 December 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 177957 PEOPLES BK, LAWRENCE, KANSAS 08/18/2008 11/25/2008 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending December 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 12/11/2008

12/26/2008

BMC Bancshares, Inc., Dallas, Texas, to become 

a bank holding company by acquiring 100 

percent of First National Bank, Graford, Texas.

BMC BANCSHARES, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

I Bank Holding Company, Inc., Lakeway, Texas, 

to become a bank holding company by 

acquiring 100 percent of Independent Bank of 

Austin, SSB, Austin, Texas.

I BANK HOLDING COMPANY, 

INC.

Newspaper:

Federal Register:

* 3A5 11/23/2008

12/04/2008

Independent Bank Group, Inc., McKinney, 

Texas, to acquire by merger 100 percent of 

Independent Bank Group Central Texas, Inc., 

McKinney, Texas, and indirectly acquire 

Independent Bank, Waco, Texas.

INDEPENDENT BANK GROUP, 

INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending December 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

12/29/2008

1st Security Bancorp, Inc., to become a bank 

holding company by acquiring 100 percent of 

1st Security Bank of Washington, both of 

Mountlake Terrace, Washington, upon the 

conversion from a mutual savings bank to a 

stock savings bank.

1ST SECURITY BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 12/30/2008

01/02/2009

Anchor Bancorp, Inc., Lacey, Washington, to 

become a bank holding company by acquiring 

100 percent of Anchor Mutual Savings Bank, 

Aberdeen, Washington, upon conversion from 

a mutual savings bank to a stock savings bank.

ANCHOR BANCORP, INC.

Newspaper:

Federal Register:

* 3A3

* 3A1

12/24/2008

01/02/2009

Carpenter Fund Manager GP LLC, Carpenter 

Fund Management Company LLC, Carpenter 

Community Bancfund L.P., Carpenter 

Community Bancfund-A, L.P., Carpenter 

Community Bancfund-CA L.P., CCFW, Inc., and 

SCJ, Inc., all of Irvine, California, to: 1) acquire 

CG Holdings, Inc., Irvine, California, and 

indirectly acquire up to 80 percent of California 

General Bank, N.A, (in organization), Pasadena, 

California; and 2) CG Holdings, Inc., Irvine, 

California, to become a bank holding company 

by acquiring up to 80 percent of California 

General Bank, N.A. (in organization), Pasadena, 

California.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management Company, LLC, Carpenter 

Community Bancfund, L.P., Carpenter 

Community Bancfund-A,L.P., Carpenter 

Community Bancfund-CA, L.P., CCFW, Inc., 

and SCJ, Inc., all of Irvine, California, to acquire 

Bridge Capital Holdings, and thereby its 

subsidiary, Bridge Bank, N.A., both of San Jose, 

California.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Celtic Investment, Inc., to become a bank 

holding company upon the conversion of Celtic 

Bank Corporation, both of Salt Lake City, Utah, 

from an industrial bank to a commercial bank, 

pursuant to section 3(a)(1) of the Bank Holding 

Company Act.

CELTIC INVESTMENT, INC.

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

Federal Reserve Bank of San Francisco

Filings received during the week ending December 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Member

4c8

12/12/2008

Marlin Business Services Corp., Mount Laurel, 

New Jersey, to: 1) become a bank holding 

company upon the conversion of Marlin 

Business Bank, Salt Lake City, Utah, from an 

industrial bank to a commercial bank, pursuant 

to section 3(a)(1) of the Bank Holding Company 

Act; 2) Marlin Business Services Corp. to 

engage indirectly in equipment leasing services 

through Marlin Leasing Corporation, both of 

Mount Laurel, New Jersey, pursuant to section 

225.28(b)(3) of Regulation Y and 4(c)(8) of the 

Bank Holding Company Act; and 3) Marlin 

Business Bank, Salt Lake City, Utah, to become 

a member of the Federal Reserve System.

MARLIN BUSINESS SERVICES 

CORP.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Silvergate Capital Corporation to become a bank 

holding company upon the conversion of 

Silvergate Bank, both of La Jolla, California, 

from an industrial bank to a commercial bank, 

pursuant to section 3(a)(1) of the Bank Holding 

Company Act.

SILVERGATE CAPITAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

4c8 12/18/2008

Tamalpais Bancorp to: 1) become a bank 

holding company upon the conversion of 

Tamalpais Bank, both of San Rafael, California, 

from an industrial bank to a commercial bank, 

pursuant to section 3(a)(1) of the Bank Holding 

Company 

Act; and 2)engage in financial and investment 

advisory activities through Tamalpais Wealth 

Advisors, San Rafael, California, pursuant to 

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

Act, and 225.28(6)(i) of Regulation Y.

TAMALPAIS BANCORP

* 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

 3304428 GOLD CANYON BK, GOLD CANYON, ARIZONA 07/28/2008 11/19/2008 S Small Bank

 1162017 UNITED SCTY BK, FRESNO, CALIFORNIA 07/21/2008 11/24/2008 O Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act