Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 15 

Week Ending April 12, 2008

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

FHA Housing Stabilization and Homeownership Act -- statement by Governor 

Kroszner before the House Committee on Financial Services on April 9, 2008.

- Reviewed, April 8, 2008

Financial Literary -- statement by Sandra F. Braunstein, Director, Division of 

Consumer and Community Affairs, before the House Committee on Financial 

Services on April 15, 2008.

- Reviewed, April 11, 2008

Bank Holding Companies

Wells Fargo & Co., San Francisco, California -- to engage on a limited basis in 

physical commodity trading activities.

- Approved, April 10, 2008

Regulations And Policies

Financial Institutions Examinations -- interagency report to Congress on federal 

banking agencies' efforts to coordinate examinations and supervision of institutions 

as required by section 305 of the Riegle Community Development and Regulatory 

Improvement Act.

- Approved, April 1, 2008

(A/C)

H.2 Board Actions April 6, 2008 to April 12, 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 Operational and Payment System

IF International Finance

OSDM Office of Staff Director for Management

April 6, 2008 to April 12, 2008

Bank Branches, Domestic

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 139 Gage Drive, 

Hollister, Missouri.

St. Louis

- Approved, April 9, 2008

Bank of Saint Petersburg, Tampa, Florida -- to establish a branch at 3100 Tampa 

Road, Palm Harbor.

Atlanta

- Approved, April 7, 2008

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

152 Capcom Avenue, Wake Forest.

Richmond

- Approved, April 7, 2008

Johnson Bank, Racine, Wisconsin -- to establish a branch at 14000 West North 

Avenue, Brookfield.

Chicago

- Approved, April 7, 2008

Premier Bank, Lenexa, Kansas -- to establish a branch at 2701 Shawnee Mission 

Parkway, Fairway.

Kansas City

- Approved, April 7, 2008

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Holding Companies

AmBancorp, Provo, Utah -- to become a bank holding company and to acquire 

American Bank of Commerce, Inc., Provo.

San Francisco

- Approved, April 11, 2008

Bancorp II, Inc., Stilwell, Kansas -- relief from a commitment.

Kansas City

- Granted, April 11, 2008

Commerce Financial Corporation, Corpus Christi, Texas -- to become a bank holding 

company and to acquire Security State Bancshares, Inc., Stockdale, and thereby 

indirectly acquire Security State Bank.

Dallas

- Approved, April 10, 2008

Erick Bancshares, Inc., Erick, Oklahoma -- relief from certain commitments.

Kansas City

- Granted, April 7, 2008

First Guaranty Bancshares, Inc., Hammond, Louisiana -- to merge with First 

Community Holding Company, Hammond, and thereby acquire its subsidiary bank, 

First Community Bank.

Atlanta

- Withdrawn, April 10, 2008

H.2 Actions under delegated authority April 6, 2008 to April 12, 2008

(A/C) = Addition or Correction Delegated - 2 of 5
Bank Holding Companies

First Liberty Capital Corporation Employee Stock Ownership Plan, Hugo, Colorado, 

and First Liberty Capital Corporation -- to acquire shares of First Mountain Bank, 

Leadville.

Kansas City

- Approved, April 7, 2008

Grant County Bank Employee Stock Ownership Plan, Ulysses, Kansas -- to acquire 

shares of Resource One, Inc., and its subsidiary bank, Grant County Bank, Ulysses.

Kansas City

- Approved, April 9, 2008

NBE Bancshares, Inc., Earlville, Illinois -- to acquire shares of Best Yet Mortgage 

LLC, Paw Paw, and thereby engage de novo in mortgage brokerage activities.

Chicago

- Approved, April 10, 2008

North Alabama Bancshares, Inc., Hazel Green, Alabama -- to become a bank holding 

company and to acquire North Alabama Bank, Hazel Green.

Atlanta

- Approved, April 11, 2008

Red River Bancorp, Inc., Gainesville, Texas -- to acquire by merger Saint Jo 

Bancshares, Inc., Saint Jo; and thereby indirectly acquire First Financial Company of 

Saint Jo, Dover, Delaware; and First National Bank, Saint Jo, Texas.

Dallas

- Approved, April 9, 2008

H.2 Actions under delegated authority April 6, 2008 to April 12, 2008

(A/C) = Addition or Correction Delegated - 3 of 5
Bank Holding Companies

W.T.B. Financial Corporation, Spokane, Washington -- to increase its ownership of 

IT-Lifeline, Inc., Liberty Lake.

San Francisco

- Approved, April 10, 2008

Bank Mergers

The Farmers & Merchants Bank, Stuttgart, Arkansas -- to merge with Chart Bank, 

Perryville, and to retain the acquired facilities as branches.

St. Louis

- Approved, April 10, 2008

State Bank of the Lakes, Antioch, Illinois -- to purchase the assets and assume the 

liabilities of the Lake Villa branch of Libertyville Bank and Trust Company, 

Libertyville, and thereby establish a branch at 345 South Milwaukee Avenue, Lake 

Villa.

Chicago

- Approved, April 7, 2008

Change In Bank Control

FC Banc Corp, Bucyrus, Ohio -- change in bank control of Banc Corp and its 

subsidiary bank, Farmers Citizens Bank.

Cleveland

- Permitted, March 26, 2008

(A/C)

H.2 Actions under delegated authority April 6, 2008 to April 12, 2008

(A/C) = Addition or Correction Delegated - 4 of 5
Extensions Of Time

Bank of the Commonwealth, Norfolk, Virginia -- extension to November 30, 2008, to 

establish a branch at Out-Parcel A, Red Mill Walk, Upton Drive, Virginia Beach.

Richmond

- Granted, April 7, 2008

Membership

Old Missouri Bank, Springfield, Missouri -- to become a member of the Federal 

Reserve System.

St. Louis

- Approved, April 7, 2008

State Bank of Lawler (to be renamed Bank Iowa), New Hampton, Iowa -- to become 

a member of the Federal Reserve System.

Chicago

- Approved, April 8, 2008

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting held on March 18, 2008, 

and of the conference call held on March 10, 2008.

FOMC

- Published, April 8, 2008

Regulation R -- technical amendments to Regulation R (Docket No. R-1274).

Secretary

- Approved, April 11, 2008

H.2 Actions under delegated authority April 6, 2008 to April 12, 2008

(A/C) = Addition or Correction Delegated - 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending April 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 Not available

Application by Green Valley Bancorp, MHC, 

and Green Valley Bancorp, Inc, both of 

Southbridge, Massachusetts, to become a 

mutual bank holding company and stock bank 

holding company, respectively, by acquiring 

Southbridge Savings Bank, Southbridge, 

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

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

of 1956, as amended.

GREEN VALLEY 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 April 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco do Brasil, S.A., Brasilia, Brazil, to 

establish a representative office in Orlando, 

Florida.

BANCO DO BRASIL S.A.

Newspaper:

Federal Register:

CIC Not available

* 18C Not available

The Bank of New York, New York, New York, to 

merge with BNY Mellon Interim Institutional 

National Bank, Pittsburgh, Pennsylvania and to 

acquire 100 percent of the shares of Mellon 

Overseas Investment Corporation, Greenville, 

Delaware.

BANK OF NEW YORK MELLON 

CORPORATION, THE

* 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 April 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 05/02/2008

05/02/2008

ENB Financial Corporation, Ephrata, PA to 

become a bank holding company in connection 

with the reorganization of Ephrata National 

Bank, Ephrata, PA, merging with and into The 

Ephrata Interim National Bank, Ephrata PA.

ENB FINANCIAL CORP

Newspaper:

Federal Register:

* 3A3 05/05/2008

05/05/2008

The Hibshman Trust for Ephrata National Bank 

Stock, Ephrata, PA, to acquire 31.2% ENB 

Financial Corp., Ephrata, PA, and thereby 

indirectly acquire Ephrata National Bank, 

Ephrata, PA.

HIBSHMAN TRUST FOR 

EPHRATA NATIONAL BANK 

STOCK, THE

* 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 April 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Thid Bank, Grand Rapids, MI to establish a 

branch at the southeast corner of State Route 54 

and Grand Boulevard, New Port Richey, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notices of Change in Bank Control 

filed by:

(1.) Jay L. Dunlap, Lincoln, NB to retain voting 

authority granted by proxy from Mark Dunlap 

over 58.25 shares or 55.48% of the outstanding 

voting shares of New Richmond 

Bancorporation, New Richmond, OH;

(2.) Samad Yaltaghian, Rusden, Northants, 

England, to acquire 46.75 shares or 45.52 

percent of the outstanding voting shares of 

New Richmond Bancorporation, New Richmond, 

OH;

(3.) Jay L. Dunlap, Lincoln, NB and Samad 

Yaltaghian, Rusden, Northants, England, in 

concert resulting from a proxy to vote 46.75 

shares or 45.52 percent of the outstanding 

voting shares of New Richmond 

Bancorporation, New Richmond, OH granted to 

Jay L. Dunlap by Samad Yaltaghian.

NEW RICHMOND 

BANCORPORATION

* 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 April 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Hampton Roads Bankshares, Inc., Norfolk, 

Virginia, to acquire 100% of the voting 

securities of Shore Financial Corporation, 

Onley, Virginia, and thereby indirectly acquire 

Shore Bank, Onley, Virginia.

HAMPTON ROADS 

BANKSHARES, 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 April 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Caixa de Aforros de Vigo, Ourense e 

Pontevedra, Vigo, Spain, to establish 

international bank branches in New York, New 

York, Chicago, Illinois, Los Angeles, California, 

and Houston, Texas.

CAIXA DE AFORROS DE VIGO, 

OURENSE E PONTEVEDRA

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 04/15/2008

establish branches at the following locations: 

the intersection of North 91st Avenue and 

West Thomas Road, Phoenix, Arizona, to be 

known as the Phoenix-91st Branch; 9801 Grant 

Street, Thornton, Colorado, to be known as the 

Thornton-Grant Branch; near the intersection of 

San Jose Boulevard (S.R. 13) and Race Track 

Road, Jacksonville, Florida, to be known as the 

Jacksonville-Julington Creek Branch; 9500 Sage 

Road Southwest, Albuquerque, New Mexico, to 

be known as the Albuquerque-Sage Road 

Branch; and 10635 Louetta Road, Houston, 

Texas, to be known as the Houston-Louetta 

Branch.

COMPASS BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending April 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member

* 18C

* Branch

Not applicable

Alpine Bank of Illinois, Rockford, Illinois, to 04/18/2008

become a member of the Federal Reserve 

System, and by Alpine Bank of Illinois, 

Rockford, Illinois, to merge with Belvidere 

National Bank & Trust Company, Belvidere, 

Illinois, and thereby to establish 7 branches.

ALPINE BANK OF ILLINOIS

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Clarkston Financial Corporation, Waterford, 

Michigan, proposes to engage de novo in data 

processing and management consulting 

services.

CLARKSTON FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

05/12/2008

Dart Financial Corporation, Mason, Michigan, 

to become a bank holding company by 

acquiring 100 percent of the voting shares of 

The Dart Bank, Mason, Michigan.

DART FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A5 Not available

05/02/2008

MainSource Financial Group, Inc., Greensburg, 

Indiana, to acquire 100 percent of the voting 

shares of 1st Independence Financial Group, 

Inc., Louisville, Kentucky, and thereby 

indirectly acquire 1st Independence Bank, 

Louisville, Kentucky.

MAINSOURCE FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

04/28/2008

Notice by Fred W. McKee, Indianapolis, 

Indiana, Grace M. Norris, Indianapolis, Indiana, 

George D. McKee, Binghamton, New York, and 

David H. McKee, Indianapolis, Indiana, to retain 

their ownership of greater than 25 percent of the 

outstanding stock of Midstate Financial 

Corporation, Brownsburg, Indiana, and thereby 

indirectly retain Hendricks County Bank & 

Trust Company, Brownsburg, Indiana.

MIDSTATE FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

05/02/2008

Northstar Financial Group, Inc., Bad Axe, 

Michigan, to acquire 100 percent of the voting 

shares of Grand Haven Bank, Grand Haven, 

Michigan, Kent Commerce Bank, Kentwood, 

Michigan, Muskegon Commerce Bank, 

Muskegon, Michigan, and Paragon Bank & 

Trust, Holland, Michigan.

NORTHSTAR FINANCIAL 

GROUP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending April 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 4c8

04/25/2008

05/12/2008

Black River BancVenture, Inc., Memphis, 

Tennessee, Spence Limited, L.P., Nashville, 

Tennessee and Financial Junk, L.L.C., Nashville, 

Tennessee, to each acquire 22% of Alliant Bank, 

Sedgwick, Kansas; 9% of Farmers Savings 

Bank, Keota, Iowa; 20% of Gorham State Bank, 

Gorham, Kansas; 10% of Greensburg State 

Bank, Greensburg, Kansas; 8% of Kansas State 

Bank, Overbrook, Kansas; 15% of Leonardville 

State Bank, Leonardville, Kansas; 8% of 

Marquette Farmers State Bank, Marquette, 

Kansas; 19% of Community Shores Bank 

Corporation, Muskegon, Michigan, and thereby 

indirectly acquire Community Shores Bank, 

Muskegon, Michigan; 15% of Allegiance Bank 

of North America, Bala Cynwyd, Pennsylvania; 

15% of Bay Commercial Bank, Walnut Creek, 

California; 9.90% of Cornerstone Bank, 

Moorestown, New Jersey; 6% of SFB Bancorp, 

Inc., Elizabethon, Tennessee, and indirectly 

acquire Security Federal Bank, Elizabethon, 

Tennessee, and thereby to operate a savings 

association, and 9.9% of Quaint Oak Bancorp, 

Southampton, Pennsylvania, and indirectly 

acquire Quaint Oak Savings Bank, 

Southampton, Pennsylvania, and thereby 

operate a savings association.

SPENCE LIMITED L.P.

Newspaper:

Federal Register:

* 3A1 04/25/2008

05/12/2008

Spence Limited, L.P., Nashville, Tennessee and 

Financial Junk, L.L.C., Nashville, Tennessee, to 

each become a bank holding company by 

acquiring 48 percent of the voting shares of 

Michigan Community Bancorp, Ltd., Sterling 

Heights, Michigan, and thereby indirectly 

acquire Lakeside Community Bank, Sterling 

Heights, Michigan.

SPENCE LIMITED L.P.

Newspaper:

Federal Register:

* 3A1 Not available

04/07/2008

Wisconsin Bancorp, Inc., Milwaukee, 

Wisconsin, to become a bank holding company 

by acquiring 100 percent of the voting shares of 

Mid America Bank, Janesville, Wisconsin.

WISCONSIN BANCORP, 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 April 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 05/16/2008

05/02/2008

First Financial Service Corporation, 

Elizabethtown, Kentucky, to merge with FSB 

Bancshares, Inc., Lanesville, Indiana, and 

thereby indirectly acquire The Farmers State 

Bank, Lanesville, Indiana.

FIRST FINANCIAL SERVICE 

CORPORATION

Newspaper:

Federal Register:

* 3A3

* 3A1

05/02/2008

05/05/2008

Reliable Community Bancshares, Inc., Perryville, 

Missouri, to acquire 100 percent of Countryside 

Bancshares, Inc., Republic, Missouri, and 

thereby indirectly acquire Countryside Bank, 

Republic, Missouri. Also, a companion filing for 

Countryside Acquisition Corporation, 

Perryville, Missouri, to become a bank holding 

company by acquiring 100 percent of 

Countryside Bancshares, Inc., Republic, 

Missouri, and thereby indirectly acquire 

Countryside Bank, Republic, Missouri.

RELIABLE COMMUNITY 

BANCSHARES, 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 April 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

1st Bank, Evanston, Wyoming, to establish a 04/11/2008

branch to be located at 1010 Wilson Street 

Pinedale, Wyoming.

1ST BANK

Newspaper:

Federal Register:

CIC 03/22/2008

04/07/2008

Change in Control notice by John M. Morrison 

Revocable Trust #4, dated January 18, 2000, 

John M. Morrison Trustee, Naples, Florida, to 

gain control of Central Bancshares Inc., Golden 

Valley, Minnesota and thereby indirectly gain 

control of Central Bank, Stillwater, Minnesota.

CENTRAL BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 04/29/2008

04/17/2008

Frandsen Financial Corporation, Arden Hills, 

Minnesota, to merge with Anderson Financial 

Group, Inc., Wayzata, Minnesota and thereby 

indirectly acquire Northern National Bank, 

Nisswa, Minnesota.

FRANDSEN FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A5 04/29/2008

04/17/2008

Frandsen Financial Corporation, Arden Hills, 

Minnesota, to merge with Tower Bancshares, 

Inc., Cloquet, Minnesota, and thereby indirectly 

acquire State Bank of Tower, Tower, Minnesota.

FRANDSEN FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 04/28/2008

Kirkwood Bancorporation Co., Bismarck, North 

Dakota, to acquire 27.67% of Kirkwood 

Bancorporation of Nevada, Inc., Las Vegas, 

Nevada, and thereby indirectly acquire 

Kirkwood Bank of Nevada, Las Vegas, Nevada, 

a de novo bank.

KIRKWOOD 

BANCORPORATION CO.

Newspaper:

Federal Register:

CIC 04/21/2008

04/09/2008

Notice by Louis B. Olsen, Eagan, Minnesota, to 

acquire 23% of the shares of Northern Star 

Financial, Inc., Mankato, Minnesota, and 

thereby indirectly gain control of Northern Star 

Bank, Mankato, Minnesota.

NORTHERN STAR FINANCIAL, 

INC.

Newspaper:

Federal Register:

CIC 04/21/2008

04/18/2008

Notice by Timothy A. Tierney, Madison, 

Wisconsin, as an individual, and as a group 

acting in concert with Mark R. Tierney, 

Superior, Wisconsin, David S. Tierney, Eden 

Prairie, Minnesota, the Robert V. Tierney Trust, 

Timothy Tierney as trustee, Madison, 

Wisconsin, and the Faith M. Tierney Trust, 

Timothy Tierney as trustee, Madison, 

Wisconsin, to acquire control of Superior 

Bancorporation LTD, Superior, Wisconsin, and 

thereby indirectly acquire control of Community 

Bank Superior, Superior, Wisconsin.

SUPERIOR BANCORPORATION, 

LTD.

* 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 April 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/23/2008

04/16/2008

Notice by Ricky Kunze, Roca, Nebraska, 

individually and as a member of the Kunze 

family group; and Amy Hunzeker and John 

Kostecka, both of Table Rock, Nebraska; 

Michelle Phillips, Omaha, Nebraska, and 

Spencer Kunze, Roca, Nebraska; all as members 

of the Kunze family group, to acquire control of 

Duroc Investment Company, parent of State 

Bank of Table Rock, both in Table Rock, 

Nebraska, through the acquisition of voting 

shares.

DUROC INVESTMENT 

COMPANY

Newspaper:

Federal Register:

* 3A3 Not available

05/12/2008

First Financial Bancshares, Inc., Lawrence, 

Kansas, to acquire 100 percent of the voting 

shares of Great American Bank, De Soto, 

Kansas.

FIRST FINANCIAL 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 04/30/2008

04/16/2008

Notice by Gentner F. Drummond, Tulsa, 

Oklahoma, to acquire control of Healthcare 

Bancorp, Inc., parent of First Bankcentre, both 

of Broken Arrow, Oklahoma, through the 

acquisition of voting shares.

HEALTHCARE BANCORP, INC.

Newspaper:

Federal Register:

CIC 04/25/2008

04/22/2008

Notice by Robert I. Guenthner, Newton, Kansas, 

and Ivan D. Knudsen, Wichita, Kansas, as 

co-trustees of the V. Jerry Blue Master Trust, to 

acquire control of Republic Financial 

Corporation, parent of Southwest National 

Bank, both in Wichita, Kansas, as fiduciaries.

REPUBLIC FINANCIAL 

CORPORATION

* 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

 175056 BANK OF WESTERN OK, ELK CITY, OKLAHOMA 12/17/2007 03/17/2008 S Small 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 April 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

Not available

Algodon de Calidad Bancshares, Inc., 05/09/2008

Abernathy, Texas, to become a bank holding 

company by acquiring 100 percent of The First 

State Bank, Abernathy, Texas.

ALGODON DE CALIDAD 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 04/09/2008

05/09/2008

Black Cat Financial Corp., Winnfield, Louisiana, 

to become a bank holding company by 

acquiring 100 percent of Bank of Winnfield & 

Trust Company, Winnfield, Louisiana.

BLACK CAT FINANCIAL CORP

Newspaper:

Federal Register:

* Branch

Not applicable

PlainsCapital Bank, Lubbock, Texas, to establish 04/23/2008

a branch at 4002 16th Street, Lubbock, Texas 

79416.

PLAINSCAPITAL BANK

Newspaper:

Federal Register:

CIC Not available

04/22/2008

Notices by Ms. Laura Lankford, West, Texas; 

Mr. George B. Graves, Jr., Waco, Texas; and 

Ms. Sarah Lou Bracken, Waco, Texas, to 

acquire 37.04 percent; 27.93 percent; and 26.33 

percent, respectively, of West Bancshares, Inc., 

West, Texas, and indirectly acquire Pointwest 

Bank, West, Texas.

WEST BANCSHARES, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending April 12, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

05/02/2008

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management, LLC, and Carpenter 

Community Bancfund-A, L.P., all of Irvine, 

California, to become bank holding companies 

by acquiring 24.3 percent of Mission 

Community Bancorp, and thereby its subsidiary, 

Mission Community Bank, both of San Luis 

Obispo, California.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Oak Valley Bancorp to become a bank holding 

company by acquiring 100 percent of Oak Valley 

Community Bank, both of Oakdale,California.

Oak Valley 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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act