Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 34 

Week Ending August 25, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
None

H.2 Board Actions August 19, 2007 to August 25, 2007

(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

August 19, 2007 to August 25, 2007

Bank Branches, Domestic

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 5311 West 6th 

Avenue, Stillwater, Oklahoma.

St. Louis

- Approved, August 22, 2007

BankTennessee, Collierville, Tennessee -- to establish a branch at 2915 Forest 

Hill-Irene Road, Germantown.

St. Louis

- Approved, August 22, 2007

BankTennessee, Collierville, Tennessee -- to establish a branch at 109 Signature 

Street, Lebanon.

St. Louis

- Approved, August 22, 2007

Community Bank, Cabot, Arkansas -- to establish a branch at the intersection of 

Highway 5 and Greystone Boulevard.

St. Louis

- Approved, August 21, 2007

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 5600 Walnut Street, 

Pittsburgh, Pennsylvania.

Cleveland

- Approved, August 21, 2007

(A/C) = Addition or Correction Delegated - 1 of 6
Bank Branches, Domestic

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 550 North Summit 

Street, Toledo.

Cleveland

- Approved, August 21, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 101 East 38th 

Street, Indianapolis, Indiana.

Cleveland

- Approved, August 21, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 17830 Ben Hill 

Griffin Parkway, Fort Myers, Florida.

Cleveland

- Approved, August 21, 2007

First Bank, St. Louis, Missouri -- to establish a branch at 6590 Lone Tree Way, 

Brentwood, California.

St. Louis

- Approved, August 22, 2007

Hedrick Savings Bank, Ottumwa, Iowa -- to establish a branch at 202 High Street, 

Kellogg.

Chicago

- Approved, August 24, 2007

H.2 Actions under delegated authority August 19, 2007 to August 25, 2007

(A/C) = Addition or Correction Delegated - 2 of 6
Bank Branches, Domestic

Regions Bank, Birmingham, Alabama -- to establish branches at: 3365 Cobb 

Parkway, Acworth, Georgia; and 340 Royal Palm Way, Suite 200, Palm Beach, 

Florida.

Atlanta

- Approved, August 23, 2007

Bank Holding Companies

A.N.B. Holding Company, Ltd., Terrell, Texas, and The ANB Corporation -- to 

acquire Bryant-Irvin Bancshares, Inc., Benbrook; Bryant Irwin Delaware 

Corporation, Dover, Delaware; and Citizens National Bank, Fort Worth, Texas.

Dallas

- Approved, August 23, 2007

Coast Financial Holdings, Inc, Bradenton, Florida -- relief from a commitment.

Atlanta

- Granted, August 23, 2007

Cross County Bancshares, Inc. Wynne, Arkansas -- to retain control of Pinnacle 

Bancshares, Inc., Bentonville, and thereby retain indirect ownership of Pinnacle 

Bank.

St. Louis

- Approved, August 24, 2007

Lonoke Bancshares, Inc., Lonoke, Arkansas -- to acquire additional shares of Central 

Bank, Little Rock.

St. Louis

- Approved, August 24, 2007

H.2 Actions under delegated authority August 19, 2007 to August 25, 2007

(A/C) = Addition or Correction Delegated - 3 of 6
Bank Holding Companies

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

Newport, Arkansas -- to acquire additional shares of M&P Community Bancshares, 

Inc.

St. Louis

- Withdrawn, August 22, 2007

Madison Community Bancshares Corporation, Madison, Florida -- to become a bank 

holding company and to acquire Madison County Community Bank.

Atlanta

- Approved, August 24, 2007

Mission Bancorp, Bakersfield, California -- to engage in real estate settlement 

services through Mission 1031 Exchange, LLC.

San Francisco

- Approved, August 22, 2007

Oostburg Bancorp, Inc., Oostburg, Wisconsin -- to engage in financial and 

investment advisory activities and agency transactional services.

Chicago

- Approved, August 23, 2007

Regions Financial Corporation, Birmingham, Alabama -- continuation of certain 

exemptions under the Depository Institutions Management Interlocks Act and 

Regulation L.

General Counsel

- Granted, August 24, 2007

H.2 Actions under delegated authority August 19, 2007 to August 25, 2007

(A/C) = Addition or Correction Delegated - 4 of 6
Bank Holding Companies

The Savannah Bancorp, Inc., Savannah, Georgia -- to acquire Minis & Co., Inc., and 

thereby engage in investment advisory activities.

Atlanta

- Approved, August 23, 2007

Banks, State Member

Cross County Bank, Wynne, Arkansas -- to establish a subsidiary, Janus Title LLC, 

and thereby act as a closing agent and sell title insurance as agent.

St. Louis

- Approved, August 24, 2007

Change In Bank Control

Citizens Bankshares, Inc., Okemah, Oklahoma -- change in bank control.

Kansas City

- Withdrawn, August 21, 2007

Miami Bancshares, Inc., Miami, Texas -- change in bank control notices.

Dallas

- Permitted, August 23, 2007

Extensions Of Time

Buckhead Community Bancorp, Inc., Atlanta, Georgia -- extension to December 5, 

2007, to merge with Allied Bancshares, Inc., Cumming, and thereby acquire its 

subsidiary, First National Bank of Forsyth County.

Atlanta

- Granted, August 23, 2007

H.2 Actions under delegated authority August 19, 2007 to August 25, 2007

(A/C) = Addition or Correction Delegated - 5 of 6
Extensions Of Time

C-B-G, Inc. West Liberty, Iowa -- extension to November 24, 2007, to acquire 

additional shares of Washington Bancorp, Washington, and thereby increase its 

interest in its subsidiary, Federation Bank.

Chicago

- Granted, August 23, 2007

Midwest Banc Holdings, Inc., Melrose Park, Illinois -- extension to December 8, 

2007, to merge with Northwest Suburban Bancorp, Inc., Mount Prospect, and thereby 

acquire Mount Prospect National Bank; and for Midwest Bank and Trust Company, 

Elmwood Park, to merge with Mount Prospect National Bank and thereby establish 

branches.

Chicago

- Granted, August 20, 2007

H.2 Actions under delegated authority August 19, 2007 to August 25, 2007

(A/C) = Addition or Correction Delegated - 6 of 6
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending August 25, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/05/2007

Notice pursuant to the Change in Bank Control 

Act of 1978 by James J. Mawn, Sr. Gloucester, 

Massachusetts, and members of his immediate 

family and affiliated entities acting in concert to 

acquire additional shares of Northern Bancorp, 

Inc., Woburn, Massachusetts.

NORTHERN BANCORP, INC.

* 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 Fourth Quarter of 2007 (October 1, 2007 - December 31, 2007)

Institution Location

FRANKLIN SVG BK FARMINGTON, MAINE

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

Federal Reserve Bank of New York

Filings received during the week ending August 25, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/27/2007

Allied Irish Banks, p.l.c., Dublin, Ireland to 

acquire additional shares of M&T Bank 

Corporation, Buffalo, New York ("M&T"), for a 

total of 29 percent, as a result of M&T's stock 

buyback program, and thereby indirectly control 

Manufacturers and Traders Trust Company, 

Buffalo, New York and M&T Bank, N.A., 

Oakfield, New York.

ALLIED IRISH BANKS, P.L.C.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Andhra Bank, Hyderabad, India, to establish a 

representative office in Jersey City, New Jersey.

ANDHRA BANK

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Banco Popular De Puerto Rico, San Juan, Puerto 

Rico("BPPR")in connection with the request for 

prior approval of the Board of Governors of the 

Federal Reserve System (the"Board") to acquire 

certain assets and assume certain liabilities of 

the 17 Puerto Rico branches of Citibank, NA, 

New York, New York, pursuant to Section 18(c) 

of the Federal Deposit Insurance Act.

BANCO POPULAR DE PUERTO 

RICO

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

BNP Paribas, Paris, France requests approval 

pursuant to the International Banking Act of 

1978 and after the fact provisions of Section 

211.24(a)(6) of Regulation K to establish the 

New York branch of its subsidiary Banca 

Nationale del Lavoro S.p.A., Rome, Italy.

BNP PARIBAS

Newspaper:

Federal Register:

4c8 Not applicable

09/04/2007

HSH Nordbank Ag, Hamburg, Germany, 

proposes to engage in financial and investment 

advisory activities, by making a joint venture 

investment in Estein & Associates USA, Ltd., 

Orlando, Florida, pursuant to Section 4(c) (8) 

and 4(j) of the BHC Act and Section 225.28(b)(6) 

of Regulation Y.

HSH NORDBANK AG

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

International Bank of Azerbaijan, Baku, 

Azerbaijan, to establish a representative office 

in New York, New York, pursuant to Section 

10(a) of the International Banking Act, as 

amended, and Section 211.24(a)(1) of Regulation 

K.

INTERNATIONAL BANK OF 

AZERBAIJAN

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 08/26/2007

Buffalo, New York, requests approval to open 

and occupy a branch to be located at 1030 

Jackson Avenue, Borough of Queens, Queens 

County, New York.

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 Fourth Quarter of 2007 (October 1, 2007 - December 31, 2007)

Institution Location

PEAPACK GLADSTONE BK GLADSTONE, NEW JERSEY

REDWOOD BK WATERTOWN, NEW YORK

SOLVAY BK SOLVAY, NEW YORK

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending August 25, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Conestoga Bank, Chester Springs, PA, to 08/30/2007

establish a branch office located at 630 Skippack 

Pike, Whitpain Township, PA.

CONESTOGA BANK

Newspaper:

Federal Register:

* 3A3

Not available

Harleysville National Corporation, Harleysville, 09/24/2007

PA, acquire 19.9% of Berkshire Bancorp, Inc., 

Wyomissing, PA, thereby indirectly acquire 

Berkshire Bank, Wyomissing, PA.

HARLEYSVILLE NATIONAL 

CORPORATION

* 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 Fourth Quarter of 2007 (October 1, 2007 - December 31, 2007)

Institution Location

CONESTOGA BK CHESTER SPRINGS, PENNSYLVANIA

LUZERNE NB LUZERNE, PENNSYLVANIA

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

Federal Reserve Bank of Cleveland

Filings received during the week ending August 25, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Formation of Keystrong Financial, Inc. Elderton, 

PA, a one-bank holding company for Elderton 

State Bank.

Keystrong Financial, Inc.

Newspaper:

Federal Register:

* 3A5 Not available

* 3A3 Not available

PNC Financial Services Group, Inc., Pittsburgh, 

Pennsylvania, to acquire Yardville National 

Bancorp, Hamilton, New Jersey, and its 

subsidiary bank, Yardville National Bank, 

Yardville, New Jersey, and its 19.9% investment 

in Bucks County Bank, Doylestown, PA

PNC FINANCIAL SERVICES 

GROUP, INC., THE

* 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 Fourth Quarter of 2007 (October 1, 2007 - December 31, 2007)

Institution Location

GENOA BKG CO GENOA, OHIO

* Subject to the provisions of the Community Reinvestment Act
District: 5

Federal Reserve Bank of Richmond

Filings received during the week ending August 25, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 Not available

Virginia Community Capital, Inc., 

Christiansburg, Virginia, to become a bank 

holding company through the acquisition of 

99% of the voting securities of Community 

Capital Bank of Virginia, Christiansburg, 

Virginia, an organizing bank.

VIRGINIA COMMUNITY 

CAPITAL, 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 Fourth Quarter of 2007 (October 1, 2007 - December 31, 2007)

Institution Location

CAPITALBANK GREENWOOD, SOUTH CAROLINA

CENTRAL VA BK POWHATAN, VIRGINIA

FIRST B&TC LEBANON, VIRGINIA

FIRST BK STRASBURG, VIRGINIA

HIGHLANDS CMNTY BK COVINGTON, VIRGINIA

VIRGINIA CMRC BK ARLINGTON, VIRGINIA

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

Federal Reserve Bank of Atlanta

Filings received during the week ending August 25, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/10/2007

Citizens Southern Bancshares, Inc., Vernon, 

Alabama (Bancshares), prior change in control 

notice filed by Guy F. Medley and Ann S. 

Medley; Michael A. Medley and Lanora A. 

Medley; Michael P. McCann and Janice A. 

McCann; Michael A. Bean and Deborah B. 

Bean; and Jeffrey K. Stout and Diane O. Stout, 

all of Dothan, Alabama, to collectively acquire 

69.17 percent of the outstanding shares of 

Bancshares and its subsidiary, Citizens State 

Bank, Vernon, Alabama.

CITIZENS SOUTHERN 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Prior change in control notice filed by Leandre 

Joseph Folse; Bonnie Jane Folse; Mark Phillip 

Folse; Todd John Folse; and the Folse Family 

Voting Trust, Leandre Joseph Folse, Bonnie 

Jane Folse, and Mark Phillip Folse, trustees; all 

of Houma, Louisiana, and Carrie Jane Folse, 

Birmingham, Alabama, to collectively acquire 

approximately 1.9 percent of the outstanding 

shares of Coastal Commerce Bancshares, and its 

subsidiary, Coastal Commerce Bank, both of 

Houma, Louisiana. Total pro forma ownership 

for the group will be approximately 13.1 percent.

COASTAL COMMERCE 

BANCSHARES, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Enterprise Bancorp, Inc., notice to become a 

bank holding company by acquiring 100 percent 

of the outstanding shares of Enterprise National 

Bank, both of Palm Beach Gardens, Florida.

ENTERPRISE BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 08/31/2007

branch located at 13728 Beach Boulevard, 

Jacksonville, Florida, to be known as the Pablo 

Creek Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 08/30/2007

branch located at 8610 Dorchester Road, N. 

Charleston, South Carolina to be known as the 

Coosaw Creek 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

NONE

CRA Examinations scheduled for Fourth Quarter of 2007 (October 1, 2007 - December 31, 2007)

Institution Location

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 25, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Bank of Montreal, Montreal, Canada, Harris 

Financial Corp., Chicago, Illinois, and Harris 

Bankcorp, Inc., Chicago, Illinois, to acquire 100 

percent of the voting shares of Merchants and 

Manufacturers Bancorporation, Inc., New 

Berlin, Wisconsin, and thereby indirectly 

acquire Lincoln State Bank, Milwaukee, 

Wisconsin, Grafton State Bank, Grafton, 

Wisconsin, Community Bank Financial, Oconto 

Falls, Wisconsin, The Reedsburg Bank, 

Reedsburg, Wisconsin, Fortress Bank, Westby, 

Wisconsin, Fortress Bank of Cresco, Cresco, 

Iowa, Wisconsin State Bank, Random Lake, 

Wisconsin, and 5.89 percent of the voting 

shares of Central Wisconsin Financial Services, 

Inc., Wausau, Wisconsin, and thereby 

indirectly acquire Bank of Wausau, Wausau, 

Wisconsin.

BANK OF MONTREAL

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Bank of Montreal, Montreal, Canada, Harris 

Financial Corp., Chicago, Illinois, and Harris 

Bankcorp, Inc., Chicago, Illinois, to acquire 100 

percent of the voting shares of Ozaukee Bank, 

Cedarburg, Wisconsin.

BANK OF MONTREAL

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish a 08/21/2007

branch facility to be located at 3361 Rosecrans 

Street, Suite 9A, San Diego, California.

COMERICA BANK

Newspaper:

Federal Register:

* 3A1 Not available

09/17/2007

Covenant Bancshares, Inc., Forest Park, Illinois, 

to become a bank holding company by 

acquiring 100 percent of the voting shares of 

Community Bank of Lawndale, Chicago, Illinois.

COVENANT BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 09/03/2007

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of Banner 

Corporation, Walla Walla, Washington, and 

thereby indirectly acquire Banner Bank, Walla 

Walla, Washington and Islanders Bank, Friday 

Harbor, Washington.

FBOP CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of 

BankFinancial Corporation, Burr Ridge, Illinois, 

and thereby indirectly acquire BankFinancial 

F.S.B., Olympia Fields, Illinois, and thereby 

operate a savings association.

FBOP CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of CFS 

Bancorp, Inc., Munster, Indiana, and thereby 

indirectly acquire Citizens Financial Bank, 

Munster, Indiana, and thereby operate a 

savings association.

FBOP CORPORATION

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 25, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of PFF 

Bancorp, Inc., Rancho Cucamonga, California, 

and thereby indirectly acquire PFF Bank and 

Trust, Pomona, California, and thereby operate a 

savings association.

FBOP CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of 

Provident Financial Holdings, Inc., Riverside, 

California, and thereby indirectly acquire 

Provident Savings Bank, F.S.B., Riverside, 

California, and thereby operate a savings 

association.

FBOP CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

09/17/2007

Fox River Financial Corporation, Burlington, 

Wisconsin, to become a bank holding company 

by acquiring 100 percent of the voting shares of 

Fox River State Bank, Burlington, Wisconsin.

FOX RIVER FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A5

3A1

09/15/2007

09/21/2007

Marshall & Ilsley Corporation, Milwaukee, 

Wisconsin, to acquire 100 percent of the voting 

shares of First Indiana Corporation, 

Indianapolis, Indiana, and thereby indirectly 

acquire First Indiana Bank, N.A., Indianapolis, 

Indiana, and the related application by FIC 

Acquisition Corporation, Indianapolis, Indiana, 

to become a bank holding company by 

acquiring 100 percent of the voting shares of 

First Indiana Corporation, Indianapolis, Indiana, 

and thereby indirectly acquire First Indiana 

Bank, N.A. Indianapolis, Indiana.

MARSHALL & ILSLEY 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

08/20/2007

Pan American Acquisition, Inc., Oak Brook, 

Illinois, to become a bank holding company by 

acquiring 100 percent of the voting shares of JD 

Financial Group, Inc., Chicago, Illinois, and 

thereby indirectly acquire Pan American Bank, 

Chicago, Illinois.

PAN AMERICAN ACQUISITION, 

INC

Newspaper:

Federal Register:

* 3A1 Not available

09/14/2007

SB Bancorp, Inc., DeForest, Wisconsin, to 

become a bank holding company by acquiring 

100 percent of the voting shares of Settlers 

Bank (in organization), DeForest, Wisconsin.

SB 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 Fourth Quarter of 2007 (October 1, 2007 - December 31, 2007)

Institution Location

AMERICAN T&SB DUBUQUE, IOWA

BANK OF BRODHEAD BRODHEAD, WISCONSIN

EAST DUBUQUE SVG BK DUBUQUE, IOWA

FARMERS & MRCH BK ORFORDVILLE ORFORDVILLE, WISCONSIN

FIRST FARMERS B&T CONVERSE, INDIANA

LAKE CITY BK WARSAW, INDIANA

LINN CTY ST BK COGGON, IOWA

M&I MARSHALL & ILSLEY BK MILWAUKEE, WISCONSIN

MIDWEST B&TC ELMWOOD PARK, ILLINOIS

MIDWEST BK WESTERN IL MONMOUTH, ILLINOIS

PREMIER BK DUBUQUE, IOWA

TOWN BK DELAFIELD, WISCONSIN

UNION ST BK ROCKWELL CITY, IOWA

WEST CHESTER SVG BK WASHINGTON, IOWA

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

Federal Reserve Bank of St. Louis

Filings received during the week ending August 25, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Arvest Bank, Fayetteville, Arkansas, to 09/09/2007

purchase the assets and assume the liabilities of 

the Tulsa, Oklahoma branch offices of M&I 

Marshall & Ilsley Bank, Milwaukee, Wisconsin, 

and to retain the acquired facilities as branches.

ARVEST BANK

Newspaper:

Federal Register:

CIC Not available

09/13/2007

Notice by the Cross Family Control Group, 

Eureka Springs, Arkansas, to gain control of 

Eureka Bancshares, Inc., Eureka Springs, 

Arkansas. The control group consists of John 

Fuller Cross, Jr., Charles Taff Cross, Marie 

Johnice Cross, and Bobbie Sue Cross Foster, all 

of Eureka Springs, Arkansas.

EUREKA BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3

* 18C

* Branch

* 3A3

09/19/2007

09/24/2007

First Banks, Inc., Hazelwood, Missouri, and its 

subsidiary bank holding company, The San 

Francisco Company, Clayton, Missouri, to 

acquire 100 percent of Coast Financial Holdings, 

Inc., Bradenton, Florida, and thereby indirectly 

acquire Coast Bank of Florida, Bradenton, 

Florida. In addition, First Banks, Inc. and The 

San Francisco Company, Clayton, Missouri, to 

acquire up to 19.9 percent of Coast Financial 

Holdings, Inc. Also First Bank, St. Louis, 

Missouri, to merge with Coast Bank of Florida, 

Bradenton, Florida, and to retain the acquired 

facilities as branch offices.

FIRST BANKS, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Heritage State Bank, Lawrenceville, Illinois, to 08/30/2007

establish a branch facility to be located at Route 

1 and Highway 68, Haubstadt, Indiana.

HERITAGE STATE BANK

* 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 Fourth Quarter of 2007 (October 1, 2007 - December 31, 2007)

Institution Location

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending August 25, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/31/2007

Notice by First Trust Company of Onaga, N.A. 

FBO LeRoy Albjerg, IRA, Arden Hills, 

Minnesota; US Bancorp Piper Jaffray custodian 

FBO Harold Broman, Jr., North St. Paul, 

Minnesota; Larry Dunn, Stacy, Minnesota; and 

Diana Makens, Las Vegas, Nevada, to join an 

existing group acting in concert: Walter G. Fries, 

Wabasha, Minnesota; Raymond B. Pinson, Del 

Ray Beach, Florida; Kenneth D. Myers, Apple 

Valley, Minnesota; GLA Investments, L.L.C., 

Lakeville, Minnesota, Gary Anderson as general 

partner; AMSIE Enterprises, LLC, Minnetonka, 

Minnesota, Donald Eisma as general partner; 

Nancy Ludwig and Francis N. Ludwig, Apple 

Valley, Minnesota; Richard B. Lambert, Jr., 

Apple Valley, Minnesota; Russell S. Sampson, 

Prior Lake, Minnesota; Curtis A. Sampson, 

Hector, Minnesota; Brett D. Reese, Northfield, 

Minnesota; S & L Investments, LLP, 

Bloomington, Minnesota, David Stueve as 

general partner; Savage Capitalists, LLP, 

Bloomington, Minnesota, David Stueve as 

general partner; Pershing LLC FBO Richard D. 

Estenson IRA, Northfield, Minnesota; Charles 

and Cindy Beske, Lakeville, Minnesota; and 

Brian Bauer, Garvin, Minnesota, to gain control 

of 25 percent or more of the shares of Access 

Bancshares, Inc., Champlin, Minnesota, and 

thereby indirectly gain control of Access Bank, 

Champlin, Minnesota.

ACCESS 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

NONE

CRA Examinations scheduled for Fourth Quarter of 2007 (October 1, 2007 - December 31, 2007)

Institution Location

AMERICAN BK SAINT PAUL, MINNESOTA

BANKFIRST SIOUX FALLS, SOUTH DAKOTA

CENTRAL SVG BK SAULT SAINTE MARIE, MICHIGAN

CITIZENS ST BK OF ONTONAGON ONTONAGON, MICHIGAN

FIRST PREMIER BK SIOUX FALLS, SOUTH DAKOTA

FIRST ST BK SOUTHWEST PIPESTONE, MINNESOTA

GLACIER BK OF WHITEFISH WHITEFISH, MONTANA

PEOPLES BK WI HAYWARD, WISCONSIN

PIONEER B&TC BELLE FOURCHE, SOUTH DAKOTA

PLAZA PARK ST BK WAITE PARK, MINNESOTA

RIDGEDALE ST BK MINNETONKA, MINNESOTA

VALLEY BK OF RONAN RONAN, MONTANA

WADENA ST BK WADENA, MINNESOTA

* Subject to the provisions of the Community Reinvestment Act
District: 10

Federal Reserve Bank of Kansas City

Filings received during the week ending August 25, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/30/2007

08/23/2007

Notification by Emmalie Gessner Cowherd, 

Carrollton, Missouri, individually, as trustee of 

the Emmalie Gessner Cowherd Revocable Living 

Trust, as personal representative of the Clifton 

R. Cowherd Estate and as a member of a family 

group; and Benjamin G. Polen, Carrollton, 

Missouri, both individually and as a member of 

a family group; to retain control of Carroll 

County Bancshares, Inc., Carrollton, Missouri, 

parent of Carroll County Trust Company of 

Carrollton, Missouri.

CARROLL COUNTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 09/18/2007

09/17/2007

Enterprise Holding Company, Omaha, Nebraska, 

to become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Enterprise Bank, N.A., Omaha, Nebraska.

ENTERPRISE HOLDING 

COMPANY

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Guaranty Bank and Trust Company, Denver, 09/19/2007

Colorado, to merge with Centennial Bank of the 

West, Fort Collins, Colorado, and incident 

thereto, to establish a branch.

GUARANTY BANK AND TRUST 

COMPANY

Newspaper:

Federal Register:

CIC Not available

09/10/2007

Notice by Shaun R. Hayes, St. Louis, Missouri, 

to acquire control of Investors Financial 

Corporation of Pettis County, Inc., parent of 

Excel Bank, both in Sedalia, Missouri, through 

the acquisition of voting shares.

INVESTORS FINANCIAL 

CORPORATION OF PETTIS 

COUNTY, 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

 544951 COWBOY ST BK, RANCHESTER, WYOMING 05/14/2007 08/15/2007 S Small Bank

 275657 FIRST ST BK, NESS CITY, KANSAS 05/21/2007 08/10/2007 S Small Bank

CRA Examinations scheduled for Fourth Quarter of 2007 (October 1, 2007 - December 31, 2007)

Institution Location

ALLNATIONS BK CALUMET, OKLAHOMA

BANK AT BROADMOOR COLORADO SPRINGS, COLORADO

BANK OF HOLYROOD HOLYROOD, KANSAS

BANK OF VERSAILLES VERSAILLES, MISSOURI

BANK OF WESTERN OK ELK CITY, OKLAHOMA

BATTLE CREEK ST BK BATTLE CREEK, NEBRASKA

COBIZ BK NA DENVER, COLORADO

COLORADO B&TC OF LA JUNTA LA JUNTA, COLORADO

F&M B&TC TULSA, OKLAHOMA

FIRST ST B&TC LARNED, KANSAS

KAW VALLEY ST B&TC WAMEGO, KANSAS

ST MARYS ST BK SAINT MARYS, KANSAS

TILDEN BK TILDEN, NEBRASKA

UINTA CTY ST BK MOUNTAIN VIEW, WYOMING

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

Federal Reserve Bank of Dallas

Filings received during the week ending August 25, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Notice filed by Asbury Trust #1-S; Asbury 09/24/2007

Trust #2-B; Asbury Trust #3-A; Asbury Trust 

#4-T; W. Andrew Sandford, as trustee; and 

Blake and Carole Sandford, all of Decatur, 

Texas, together, acting in concert, to increase 

their ownership and voting control of Chisholm 

Bancshares, Inc., Decatur, Texas, from 9.99 

percent to 18.06 percent, and indirectly acquire 

North Texas Bank, N.A., Decatur, Texas.

CHISHOLM BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch

Member

Not applicable

Comerica Bank, Dallas, Texas (in organization), 

to merge with Comerica Bank, Detroit, Michigan, 

and thereby to establish related branch offices, 

and the concurrent application by Comerica 

Bank, Dallas, Texas, to become a member of the 

Federal Reserve System.

COMERICA BANK

* 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

 495857 MEMPHIS ST BK, MEMPHIS, TEXAS 04/23/2007 07/09/2007 S Small Bank

CRA Examinations scheduled for Fourth Quarter of 2007 (October 1, 2007 - December 31, 2007)

Institution Location

TEXAS ST BK MCALLEN, TEXAS

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

Federal Reserve Bank of San Francisco

Filings received during the week ending August 25, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

American Security Bank, Santa Ana, California, 08/27/2007

to establish a branch facility at 2163 Compton 

Avenue, Corona, California.

AMERICAN SECURITY BANK

Newspaper:

Federal Register:

4c8 Not applicable

09/07/2007

Mitsubishi UFJ Financial Group, Inc., and The 

Bank of Tokyo-Mitsubishi UFJ, Ltd., both of 

Tokyo, Japan, to acquire up to 12 percent of 

Visa, Inc., San Francisco, California, and thereby 

indirectly engage in 1) the operation of 

electronic funds transfer systems, 2) the 

operation of authorization, clearing, and 

settlement systems, and 3) data processing, 

pursuant to section 4(c)(8) of the Bank Holding 

Company Act.

MITSUBISHI UFJ FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Nara Bank, Los Angeles, California, to establish 08/31/2007

a branch facility at 807 East 12th Street Unit 

#400, Los Angeles, California.

NARA BANK

* 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 Fourth Quarter of 2007 (October 1, 2007 - December 31, 2007)

Institution Location

HANMI BK LOS ANGELES, CALIFORNIA

NARA BK LOS ANGELES, CALIFORNIA

SILICON VALLEY BK SANTA CLARA, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act