Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 30 

Week Ending July 26, 2008

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

Capital Corp of the West, Merced, California, and County Bank -- written agreement 

with the Federal Reserve Bank of San Francisco.

- Announced, July 25, 2008

First National Bank Holding Company, Scottsdale, Arizona -- issuance of a consent 

cease and desist order.

- Announced, July 25, 2008

H.2 Board Actions July 20, 2008 to July 26, 2008

(A/C) = Addition or Correction Board - Page 1 of 1
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

July 20, 2008 to July 26, 2008

Bank Branches, Domestic

Security Bank, Pawnee, Oklahoma -- to relocate its main office from Pawnee to 

Tulsa, and to convert the Pawnee location to a branch.

Kansas City

- Withdrawn, July 25, 2008

Virginia Commerce Bank, Arlington, Virginia -- to establish a branch at 7115 

Leesburg Pike, Falls Church.

Richmond

- Approved, July 23, 2008

Bank Holding Companies

First Security Bancorp, Searcy, Arkansas -- to acquire Union Bancshares of Benton, 

Inc., Benton, and The Union Bank of Benton.

Secretary

- Approved, July 23, 2008

Pinnacle Capital Corporation, Marshalltown, Iowa -- to become a bank holding 

company and to acquire Pinnacle Bank, Marshalltown.

Chicago

- Withdrawn, July 22, 2008

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

Reliance Bancorp, MHC (in formation), Altoona, Pennsylvania, and Reliance 

Bancorp, Inc. (in formation) -- to become bank holding companies in connection with 

the reorganization of Reliance Savings Bank, Altoona, from a state chartered mutual 

savings bank to a stock savings bank.

Philadelphia

- Approved, July 23, 2008

The Royal Bank of Scotland Group plc, Edinburgh, Scotland -- relief from a 

commitment.

Director, BS&R

- Granted, July 22, 2008

Banks, Foreign

Andhra Bank, Hyderabad, India -- to establish a representative office in Jersey City, 

New Jersey.

Director, BS&R

- Approved, July 23, 2008

Change In Bank Control

Delta National Bancorp, Manteca, California -- change in bank control of Bancorp 

and its subsidiary bank, Delta Bank, N.A., Manteca.

San Francisco

- Returned, July 21, 2008

Utah Independent Bank, Salina, Utah -- change in bank control of Utah Independent 

Bank, Salina.

San Francisco

- Permitted, July 23, 2008

H.2 Actions under delegated authority July 20, 2008 to July 26, 2008

(A/C) = Addition or Correction Delegated - 2 of 5
Extensions Of Time

M&P Community Bancshares, Inc. 401(k) Employee Stock Ownership Plan, 

Newport, Arkansas -- extension to October 26, 2008, to acquire additional shares of 

M&P Community Bancshares, Inc., Newport.

St. Louis

- Granted, July 21, 2008

Regions Bank, Birmingham, Alabama -- extension to October 2, 2009, to establish a 

branch at 55 North Section Street, Fairhope.

Atlanta

- Granted, July 23, 2008

Financial Holding Companies 

Encore Bancshares, Inc., Houston, Texas -- election to become a financial holding 

company.

Dallas

- Effective, July 21, 2008

International Operations

Citibank, N.A., Las Vegas, Nevada, and Citibank Overseas Investment Corporation, 

New Castle, Delaware -- waiver of remainder of notification period to make an 

additional investment in Camara de Riesgo Central de Contraparte S.A., Bogota, 

Colombia.

Director, BS&R

- Granted, July 18, 2008

(A/C)

H.2 Actions under delegated authority July 20, 2008 to July 26, 2008

(A/C) = Addition or Correction Delegated - 3 of 5
International Operations

Citibank, N.A., Las Vegas, Nevada, and Citibank Overseas Investment Corporation, 

New Castle, Delaware -- waiver of remainder of notification period to make an 

investment in Citibank Leasing S.A.-Arrendamento Mercantil, Sao Paulo, Brazil.

Director, BS&R

- Granted, July 3, 2008

(A/C)

Citibank, N.A., Las Vegas, Nevada, and Citibank Overseas Investment Corporation, 

New Castle, Delaware -- waiver of remainder of notification period to make 

additional investments in STI ANBID, Sao Paulo, Brazil.

Director, BS&R

- Granted, June 27, 2008

(A/C)

Citibank, N.A., Las Vegas, Nevada, and Citibank Overseas Investment Corporation, 

New Castle, Delaware -- waiver of remainder of notification period to make 

additional investments in Citibank Costa Rica S.A., San Jose, Costa Rica.

Director, BS&R

- Granted, June 27, 2008

(A/C)

Citigroup Inc., New York, New York, and Citibank Overseas Investment 

Corporation, New Castle, Delaware -- waiver of remainder of notification period to 

make additional investments in China UnionPay, Shanghai, People's Republic of 

China.

Director, BS&R

- Granted, June 17, 2008

(A/C)

H.2 Actions under delegated authority July 20, 2008 to July 26, 2008

(A/C) = Addition or Correction Delegated - 4 of 5
Membership

Avon Co-operative Bank, Avon, Massachusetts -- to become a member of the 

Federal Reserve System.

Boston

- Approved, July 23, 2008

H.2 Actions under delegated authority July 20, 2008 to July 26, 2008

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

Federal Reserve Bank of Boston

Filings received during the week ending July 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 08/15/2008

Application by WebFive, MHC and WebFive 

Financial Services, Inc., both of Webster, 

Massachusetts - to become a mutual bank 

holding company and stock bank holding 

company, respectively, by acquiring Webster 

Five Cents Savings Bank, Webster, 

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

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

of 1956, as amended.

WEBFIVE MHC

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending July 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 07/28/2008

08/15/2008

The Adirondack Trust Company Employee 

Stock Ownership Trust, Saratoga Springs, New 

York, to acquire fifty additional shares of 473 

Broadway Holding Corporation and to acquire 

one thousand additional shares of The 

Adirondack Trust Company, both of Saratoga 

Springs, New York.

ADIRONDACK TRUST 

COMPANY EMPLOYEE STOCK 

OWNERSHIP TRUST, THE

Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

Banco Santander International, Miami, Florida, 

an Edge subsidiary of Banco Santander Central 

Hispano, S.A., Madrid, Spain, requests approval 

to amend Section Seventh of its Articles of 

Association to reflect an increase in its capital 

stock.

BANCO SANTANDER 

INTERNATIONAL

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 invest in Diners Club 

Switzerland Ltd., Zurich, Switzerland

CITIBANK, N.A.

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 additional investment 

in Banco Cuscatlan de Panama, S.A., Panama 

City, Panama

CITIBANK, N.A.

* 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 July 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Embassy Bancorp, Inc., Bethlehem, PA, to 

become a bank holding company by acquiring 

Embassy Bank for the Lehigh Valley, Bethlehem, 

PA.

EMBASSY BANCORP, INC

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending July 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/06/2008

08/07/2008

Multiple Interagency Notices of Change in Bank 

Control filed by Jay L. Dunlap, Lincoln, NB; 

Samad Yaltaghian, Rushden, Northants, 

England; and a Voting Trust established in 

concert by Jay L. Dunlap as sole voting trustee, 

Samad Yaltaghian, and Gregory Neisen to 

own/control voting shares of New Richmond 

Bancorporation, New Richmond, OH.

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

 723112 FIFTH THIRD BK, CINCINNATI, OHIO 07/09/2007 07/09/2008 S Large Bank

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 July 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Hampton Roads, Norfolk, Virginia, 08/15/2008

proposes to establish a branch at 1635 Laskin 

Road, Virginia Beach, Virginia.

BANK OF HAMPTON ROADS

Newspaper:

Federal Register:

4c8 Not applicable

Not available

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

engage in lending and community development 

activities.

CITY FIRST ENTERPRISES, INC.

Newspaper:

Federal Register:

Member Not available

* Branch Not applicable

First Financial Bank, Fairfax, Virginia (in 

organization), to become a member of the 

Federal Reserve System.

FIRST FINANCIAL BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Union Bank and Trust Company, Bowling 

Green, Virginia, proposes to establish a branch 

at 9611 Jefferson Davis Highway, 

Fredericksburg, Virginia.

UNION BANK AND TRUST 

COMPANY

* 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

 976226 FAUQUIER BK, WARRENTON, VIRGINIA 02/25/2008 05/28/2008 S Large Bank

 223322 FIRST B&TC, LEBANON, VIRGINIA 11/26/2007 06/04/2008 S Int Sm Bank

 831727 SECOND B&TC, FREDERICKSBURG, VIRGINIA 02/25/2008 06/05/2008 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 July 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

CapStar Bank, Nashville, Tennessee, to 08/01/2008

establish a branch located at 5500 Maryland 

Way, Suite 130, Brentwood, Tennessee, to be 

known as the Brentwood Branch.

CAPSTAR BANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Monte de Piedad y Caja de Ahorros San 

Fernando de Huelva, Sevilla, Spain (CAJASOL), 

to establish a representative office in Miami, 

Florida.

MONTE DE PIEDAD Y CAJA DE 

AHORROS SAN FERNANDO DE 

HUELVA

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 08/01/2008

branch located at 1100 Town Lake Drive, 

Leland, North Carolina, to be known as the 

Leland Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 07/31/2008

branch located at 1990 West Spring Street, 

Monroe, Georgia, to be known as the Shoppes 

of Monroe Office.

SUNTRUST 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

 648130 COCONUT GROVE BK, MIAMI, FLORIDA 04/07/2008 07/15/2008 S Large 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 July 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 07/22/2008

07/25/2008

FBOP Corporation, Oak Park, Illinois, to acquire 

100 percent of the voting shares of PFF 

Bancorp, Inc., Rancho Cucamonga, California, 

and thereby indirectly acquire PFF Bank & 

Trust, Pomona, California, and thereby operate a 

savings association, Diversified Builders 

Services, Inc., Rancho Cucamonga, California, 

and thereby to engage in extending credit and 

servicing loans, Glencrest Investment Advisers, 

Rancho Cucamonga, California, and thereby to 

engage in financial and investment advisory 

services, and Pomona Financial Services, 

Rancho Cucamonga, California, and thereby to 

engage in trust company functions.

FBOP CORPORATION

Newspaper:

Federal Register:

CIC 07/25/2008

07/21/2008

Notice by a group acting in concert, composed 

of Gary Shiffman, West Bloomfield, Michigan, 

Arthur Weiss, Farmington Hills, Michigan, 

Ronald Klein, Bloomfield Hills, Michigan, Paul 

Hodges, Orchard Lake, Michigan, Roman 

Ferber, West Bloomfield, Michigan, David 

Freidman, West Bloomfield, Michigan, Steven 

Freidman, West Bloomfield, Michigan, Brian 

Wenzel, Howell, Michigan, Sheldon Yellen, 

Bloomfield Hills, Michigan, Gary Torgow, Oak 

Park, Michigan, Dov Loketch, Oak Park, 

Michigan, Joseph Nusbaum, Oak Park, 

Michigan, David Provost, Birmingham, 

Michigan, Max Berlin, Southfield, Michigan, 

Donald Coleman, Bonita Springs, Florida, Albert 

Papa, Birmingham, Michigan, Robert Naftaly, 

West Bloomfield, Michigan, Thomas 

Schellenberg, Cross Village, Michigan, Thomas 

Brown, Farmington Hills, Michigan, Christine 

Otto, Oxford, Michigan, James Dunn, Livonia, 

Michigan, Gary Sakwa, Bloomfield Hills, 

Michigan, and Frank Hennessey, Ocala, Florida, 

to acquire over 25 percent of the outstanding 

voting shares of First Michigan Bancorp, Inc., 

Troy, Michigan, and thereby to indirectly 

acquire control of First Michigan Bank, Troy, 

Michigan.

FIRST MICHIGAN BANCORP, 

INC.

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

08/08/2008

Hometown Community Bancorp, Inc., Morton, 

Illinois and Hometown Community Bancorp 

Employee Stock Ownership Plan and Trust, 

Morton, Illinois, to merge with Alpha Financial 

Group, Inc., Toluca, Illinois and Alpha Financial 

Group, Inc. Employee Stock Ownership Plan, 

Toluca, Illinois, and thereby indirectly acquire 

Alpha Community Bank, Toluca, Illinois, and 

the related application by Morton Community 

Bank, Morton, Illinois, to merge with Alpha 

Community Bank, Toluca, Illinois, and thereby 

to establish 4 branches.

HOMETOWN COMMUNITY 

BANCORP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending July 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

06/02/2008

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

retain 5.9 percent of the voting shares of Valley 

Financial Group, Ltd., Saginaw, Michigan, and 

thereby indirectly retain shares of 1st State 

Bank, Saginaw, Michigan.

IBT BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Johnson Bank, Racine, Wisconsin, to establish 07/25/2008

a branch facility to be located at 1902 W. 

Parkside Lane, Phoenix, Arizona.

JOHNSON BANK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Premier Bancorp of Illinois, Inc., Farmer City, 

Illinois, to retain 20.8 percent of the voting 

shares of FM Bancorp, Inc., Paxton, Illinois, and 

thereby indirectly retain control of 

Farmers-Merchants National Bank of Paxton, 

Paxton, Illinois.

PREMIER BANCORP OF 

ILLINOIS, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Premier Bancorp of Illinois, Inc., Farmer City, 

Illinois, to retain its indirect 40 percent 

ownership interest in TriCapital, L.L.C., 

Indianapolis, Indiana.

PREMIER BANCORP OF 

ILLINOIS, INC.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 709143 MIDWEST BK WESTERN IL, MONMOUTH, ILLINOIS 02/25/2008 07/08/2008 S Large Bank

 2687133 PREMIER BK, DUBUQUE, IOWA 03/17/2008 07/07/2008 S Small 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 July 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The Scott County State Bank, Scottsburg, 08/04/2008

Indiana, to establish a branch facility to be 

located at 307 West Main Street, Austin, 

Indiana.

SCOTT COUNTY STATE BANK, 

THE

* 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 July 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by John Smoluch and Donna Smoluch, 

both of Coon Rapids, Minnesota to gain control 

of Community Pride Bank Corporation, Ham 

Lake, Minnesota, and thereby indirectly gain 

control of Community Pride Bank, Isanti, 

Minnesota.

COMMUNITY PRIDE BANK 

CORPORATION

Newspaper:

Federal Register:

CIC 07/29/2008

07/29/2008

Notice by Brian K. Solsrud, Minneapolis, 

Minnesota, Gregory A. Solsrud, Dunwoody, 

Georgia, Corinne E. Solsrud, Mosinee, 

Wisconsin, and Rachel A. Solsrud Goodell, 

Augusta, Wisconsin, individually and as a 

group acting in concert to acquire control of 

Kimberly Leasing Corporation, Augusta, 

Wisconsin and thereby indirectly acquire 

control of Unity Bank, Rush City, Minnesota.

KIMBERLY LEASING 

CORPORATION

Newspaper:

Federal Register:

* 3A5 Not available

08/01/2008

NATCOM Bancshares, Inc., Superior, 

Wisconsin, to acquire 100 percent of Superior 

Bancorporation, Ltd., Superior, Wisconsin, and 

thereby indirectly acquire Community Bank, 

Superior, Wisconsin.

NATCOM BANCSHARES,INC.

Newspaper:

Federal Register:

CIC Not available

08/13/2008

David Schornack, Perham, Minnesota, 

individually and as a part of a group acting in 

concert with Denise Schornack, Perham, 

Minnesota, Daniel Welter, New York Mills, 

Minnesota, and Bonnie Welter New York Mills, 

Minnesota, to acquire control of Quality 

Bankshares, Inc., Fingal, North Dakota, and 

thereby indirectly acquire control of Quality 

Bank, Fingal, North Dakota.

QUALITY BANKSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

08/06/2008

Notice by John Richard Doherty, Oswego, 

Illinois, to retain 10 percent or more of the 

shares of West End Financial Corporation, 

Bessemer, Michigan, and thereby indirectly 

retain control of Gogebic Range Bank, 

Bessemer, Michigan.

WEST END FINANCIAL CORP.

Newspaper:

Federal Register:

CIC 07/29/2008

07/29/2008

Notice by Noah Wynter Wilcox, Grand Rapids, 

Minnesota, to join a group acting in concert 

with Steven Monroe Wilcox, Grand Rapids, 

Minnesota, to acquire control of Wilcox 

Bancshares, Grand Rapids, Minnesota, and 

thereby indirectly acquire control of Grand 

Rapids State Bank, Grand Rapids, Minnesota.

WILCOX BANCSHARES, 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

 3417319 FIRST WESTERN B&T, EDEN PRAIRIE, MINNESOTA 03/31/2008 07/16/2008 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 July 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice submitted by the Barbara Dean Flaming 

Trust and Brenda Jean Flaming Salinas, trustee; 

the Brenda Jean Flaming Trust and Barbara 

Dean Flaming Waite, trustee; the Michael Todd 

Flaming Trust and Brenda Jean Flaming Salinas, 

trustee; and the Flaming Children 2008 

Irrevocable Trust and Gerald R. Chelgren, 

trustee; all of Cherokee, Oklahoma, part of a 

group acting in concert, to acquire/retain 

control of Alfalfa County Bancshares, Inc., 

parent of ACB Bank, both in Cherokee, 

Oklahoma.

ALFALFA COUNTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Rocky Mountain Bank, Wilson, Wyoming, to 07/24/2008

establish a branch at 890 West Broadway, 

Jackson, Wyoming; and to relocate its main 

office from Rock Springs, Wyoming, to Wilson, 

Wyoming, thereby establishing Rock Springs, 

Wyoming as a branch.

ROCKY MOUNTAIN BANK

Newspaper:

Federal Register:

CIC Not available

08/13/2008

Notice submitted by Robyn E. Batson, Broken 

Bow, Oklahoma, as trustee of the Linda Lake 

Young Irrevocable Trust, the Lori Lee Young 

Irrevocable Trust, and the Robyn Elizabeth 

Batson Irrevocable Trust, to acquire control of 

Southeastern Bancshares, Inc., parent of 1st 

Bank & Trust, both in Broken Bow, Oklahoma.

SOUTHEASTERN 

BANCSHARES, INC.

* 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

 227151 UNION ST BK, ARKANSAS CITY, KANSAS 03/31/2008 07/04/2008 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 July 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/13/2008

Notice by Mr. John Mangan, San Antonio, 

Texas, as independent trustee of the LCK 1993 

Trust, LCK Dynasty Trust, LCK Legacy Trust, 

the Katz Millennium Trust, and LCK Trust #2, 

that together own voting shares of First 

Community Bancshares, Inc., Houston, Texas, 

and indirectly acquire First National Bank Texas, 

Killeen, Texas, and Fort Hood National Bank, 

Fort Hood, Texas.

FIRST COMMUNITY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Lone Star State Bank of West Texas, Lubbock, 

Texas, to merge with First Bank of Brownfield, 

Brownfield, Texas, and establish a branch at 300 

West Main Street, Brownfield, Texas 79316.

LONE STAR STATE BANK OF 

WEST TEXAS

Newspaper:

Federal Register:

CIC Not available

08/07/2008

The Vanco Trusts, the Vannie Cook Trusts, and 

Mr. James William Collins, as trustee, all of 

McAllen, Texas, propose to acquire an interest 

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

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

Texas.

MEDINA BANKSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

PlainsCapital Bank, Lubbock, Texas, to establish 08/06/2008

a branch to be located at 701 East Road to Six 

Flags, Arlington, Texas 76011.

PLAINSCAPITAL BANK

Newspaper:

Federal Register:

CIC 07/28/2008

08/06/2008

The Gayle Gourley Trust, The W.J. Gourley, III. 

Trust, and The Mary Theresa Lott Trust, all of 

Fort Worth, Texas, and Messrs. Richard A. 

Griffin, Charles Lasater, Henry W. Simon, Jr., 

John W. Windle, and B. Ted Woodle, all of Fort 

Worth, Texas, and Jack S. Lewis, Arlington, 

Texas, all as trustees, propose to acquire an 

interest in Texas American Acquisition Group, 

Inc., Fort Worth, Texas, and indirectly acquire 

Liberty Bank, North Richland Hills, Texas.

TEXAS AMERICAN 

ACQUISITION 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 July 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Security California Bancorp to become a bank 

holding company by acquiring 100 percent of 

Security Bank of California, both of Riverside, 

California.

SECURITY CALIFORNIA 

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