Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 2

Week Ending January 13, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions January 7, 2007 to January 13, 2007

Advisory Councils

Consumer Advisory Council -- appointment of ten new members and designation of 

Lisa Sodeika as Chair and Tony Brown as Vice Chair for 2007.

- Announced, January 9, 2007 

Banks, Foreign

Granbanco, S.A., Bogota, Colombia -- request by Fondo de Garantias de 

Instituciones Financieras to establish a temporary trust to hold the shares of Bancafe 

International, Miami, Florida, an Edge corporation, in connection with the 

privatization of its parent company, Granbanco, S.A.

- Granted, December 18, 2006 (AC)

Regulations And Policies

Payments System Risk Policy -- revisions to modify the Board's expectations for 

systemically important payments and settlements systems subject to the Board's 

authority and update and clarify the policy with regard to central counterparties. 

- Approved, January 11, 2007 

(AC) = Addition or Correction Board - Page 1 of 1
January 7, 2007 to January 13, 2007

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Comerica Bank, Detroit, Michigan -- to establish branches at 8830 Spring Cypress 

Road, Spring, Texas; 1412 North Rochester Road, Rochester Hills, Michigan; and 

25950 Pontiac Trail, South Lyon.

- Approved, January 10, 2007 

Secretary

Farmers Bank, Ault, Colorado -- to establish a branch at 713 South LeMay Avenue, 

Fort Collins.

- Approved, January 12, 2007 

Kansas City

First Bank, St. Louis, Missouri -- to establish a branch at 710 Olive Street.

- Approved, January 9, 2007 

St. Louis

First Community Bank, Taos, New Mexico -- to establish branches at 2 North 

Central Avenue, Suite 120, Phoenix, Arizona; and 1838 West Parkside Lane, Suite 

115.

- Approved, January 11, 2007 

Secretary

Premier Bank, Dubuque, Iowa -- to establish a courier service to serve Dubuque 

County.

- Approved, January 12, 2007 

Chicago

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 980 Birmingham Road, 

Alpharetta.

- Approved, January 10, 2007 

Secretary

SunTrust Bank, Atlanta, Georgia -- to establish branches at 1850 Southwest Gatlin 

Boulevard, Port St. Lucie, and 8500 North Wickham Road, Viera.

- Approved, January 10, 2007 

Secretary

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority January 7, 2007 to January 13, 2007

Bank Branches, Domestic

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 101 Howland 

Boulevard, Deltona, Florida.

- Approved, January 10, 2007 

Secretary

Bank Holding Companies

Atlantic Southern Financial Group, Inc., Macon, Georgia -- to acquire First 

Community Bank of Georgia, Roberta.

- Approved, January 12, 2007 

Atlanta

Bainum Bancorp II, Glenwood, Arkansas -- waiver of application to acquire 

Bainum Bancorp in connection with the merger of Bainum Bancorp's subsidiary, 

Arkansas Diamond Bank, with Diamond State Bank, Murfreesboro.

- Granted, January 12, 2007 

St. Louis

C Financial Corporation, Columbus, Ohio -- to become a bank holding company 

and to acquire Cooper State Bank.

- Approved, January 11, 2007 

Cleveland

Cross County Bancshares, Inc., Wynne, Arkansas -- to acquire up to 10.66 percent 

of the shares of Central Bank, Little Rock.

- Approved, January 12, 2007 

St. Louis

First National Financial Services Inc., Elk River, Minnesota -- to acquire Maple 

Lake Bancorporation, Edina, and thereby acquire Security State Bank of Maple 

Lake, Maple Lake.

- Approved, January 12, 2007 

Minneapolis

Greene Investment Co., Jefferson, Iowa -- to acquire Dunlap Corporation, Slater, 

and thereby acquire South Story Bank & Trust.

- Approved, January 8, 2007 

Chicago

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority January 7, 2007 to January 13, 2007

Bank Holding Companies

Gulfport Bancshares of Delaware, Inc., Wilmington, Delaware -- to become a bank 

holding company and to acquire Gulfport Bancshares, Inc., Clute, Texas, and 

Brazos National Bank, Richwood.

- Approved, January 8, 2007 

Dallas

Hancock Holding Company, Gulfport, Mississippi -- to acquire Hancock Bank of 

Alabama, Mobile, Alabama, a de novo bank.

- Approved, January 12, 2007 

Atlanta

IBERIABANK Corporation, Lafayette, Louisiana -- to acquire Pulaski Investment 

Corporation, Little Rock, Arkansas, and thereby acquire Pulaski Bank and Trust 

Company.

- Approved, January 9, 2007 

Atlanta

Investment Opts, LLC, Wray, Colorado -- to become a bank holding company and 

to acquire 60 percent of the shares of FarmBank Holding, Inc., Greeley, parent of 

First FarmBank, a de novo bank; and for FarmBank Holding, Inc., to become a 

bank holding company and to acquire First FarmBank.

- Approved, January 12, 2007 

Kansas City

Lonoke Bancshares, Inc., Lonoke, Arkansas -- to acquire up to 10.66 percent of the 

shares of Central Bank, Little Rock.

- Approved, January 12, 2007 

St. Louis

Montana Business Capital Corporation (to be known as Bancorp of Montana 

Holding Company), Missoula, Montana -- to become a bank holding company and 

to acquire Bank of Montana, a de novo bank; and to engage in commercial and 

residential loan origination activities.

- Withdrawn, January 10, 2007 

Minneapolis

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority January 7, 2007 to January 13, 2007

Bank Holding Companies

Old National Bancorp, Evansville, Indiana -- to acquire St. Joseph Capital 

Corporation, Mishawaka, and thereby acquire St. Joseph Capital Bank.

- Approved, January 10, 2007 

St. Louis

P/R Bancorp, Spartanburg, Indiana -- to become a bank holding company and to 

acquire Greensfork Township State Bank.

- Approved, January 9, 2007 

Chicago

Piedmont Community Bank Group, Inc., Gray, Georgia -- to become a bank holding 

company and to acquire Piedmont Community Bank.

- Approved, January 9, 2007 

Atlanta

Platinum Bancorp, Inc., Oakdale, Minnesota -- to become a bank holding company 

and to acquire Platinum Bank, a de novo bank.

- Approved, January 12, 2007 

Minneapolis

Sussex Bancorp, Franklin, New Jersey -- waiver of application in connection with 

the proposal by Sussex Bank to expand its operations into Pennsylvania.

- Granted, January 12, 2007 

New York

Tyronza Bancshares, Inc., Marked Tree, Arkansas -- to acquire up to 7.10 percent 

of the shares of Central Bank, Little Rock.

- Approved, January 12, 2007 

St. Louis

White River Bancshares Company, Fayetteville, Arkansas -- waiver of application 

to acquire Brinkley Bancshares, Inc., Brinkley in connection with the merger of 

Bank of Brinkley with Signature Bank of Arkansas, Fayetteville.

- Withdrawn, January 10, 2007 

St. Louis

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority January 7, 2007 to January 13, 2007

Banks, Foreign

Caja de Ahorros de Valencia, Castellon y Alicante, Bancaja, Valencia, Spain -- 

waiver of remainder of notification period to upgrade its existing agency in Miami, 

Florida, to a branch.

- Granted, January 10, 2007 

Director, BS&R

Change In Bank Control

Commerce Bankshares, Inc., Aurora, Colorado -- to retain control of Commerce 

Bankshares, Inc., parent of Commerce Bank.

- Permitted, January 12, 2007 

Kansas City

Competitive Factors Reports

Globility Bank, Salt Lake City, Utah -- report on competitive factors of the 

proposed merger of Proficio Bank (formerly Globility Bank) with Volvo 

Commercial Credit Corp. of Utah.

- Submitted, January 8, 2007 

San Francisco

Extensions Of Time

Prairieland Bancorp Employee Stock Ownership Plan and Trust, Bushnell, 

Illinois -- extension to May 2, 2007, to increase its ownership from 44.80 percent to 

49.67 percent of the shares of Prairieland Bancorp, Inc., and thereby increase its 

ownership of Farmers and Merchants State Bank of Bushnell.

- Granted, January 11, 2007 

Chicago

SuffolkFirst Bank, Suffolk, Virginia -- extension to September 25, 2007, to 

establish a branch at Out-parcel #4, Hill Shopping Center, Bennet's Creek Crossing.

- Granted, January 10, 2007 

Richmond

SunTrust Bank, Atlanta, Georgia -- extension to February 13, 2008, to establish a 

branch at 6210 Coral Ridge Drive, Coral Springs, Florida.

- Granted, January 9, 2007 

Atlanta

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

Federal Reserve Bank of Boston

Filings received during the week ending January 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

01/26/2007

Bangor Bancorp, MHC, Bangor, Maine to

become a bank holding company pursuant to

section 3(a)(1) of the BHC Act in connection

with the reorganization of Bangor Savings

Bank, Bangor, Maine, into a mutual bank

holding company structure.

BANGOR BANCORP, MHC

Newspaper:

Federal Register:

* 3A3 01/05/2007

01/05/2007

Danvers Bancorp, Inc., Danvers,

Massachusetts to acquire BankMalden, A

Co-operative Bank, Malden, Massachusetts

pursuant to section 3(a)(3) of the BHC Act.

DANVERS BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 01/22/2007

Application by Spencer MHC and Spencer

Mid-tier Holding Company, both of Spencer,

Massachusetts, to become a mutual bank

holding company and stock bank holding

company, respectively, by acquiring Spencer

Savings Bank, Spencer, Massachusetts,

pursuant to sections 3(a)(1) and 3(a)(3) of the

Bank Holding Company Act of 1956, as

amended.

Spencer 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 January 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 January 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 January 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Jerry D. Greer to gain control of

Cumberland Valley Financial Corporation,

London, Kentucky, and indirectly gain control

of Cumberland Valley National Bank & Trust

CUMBERLAND VALLEY

FINANCIAL CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Jerry D. Greer and Garth Rex Greer

to gain control of, First National Financial

Corporation, Manchester, Kentucky, and

indirectly gain control of First National Bank,

Manchester, Kentucky

FIRST NATIONAL FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A3

Not available

Middlefield Banc Corp., Middlefield, Ohio to 01/27/2007

acquire 100 percent of the voting shares of

Emerald Bank, Dublin, Ohio

MIDDLEFIELD BANC CORP.

Newspaper:

Federal Register:

* 3A5 Not available

01/26/2007

Park National Corporation, Newark, Ohio, to

acquire 100 percent of Vision Bancshares, Inc.,

Panama City, Florida, and thereby indirectly

acquire Vision Bank, Gulf Shores, Alabama,

and Vision Bank, Panama City, Florida

PARK NATIONAL

CORPORATION

* 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 January 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

1434826 BANKANNAPOLIS, ANNAPOLIS, MARYLAND 08/14/2006 11/23/2006 S Int Sm Bank

790721 EVB, TAPPAHANNOCK, VIRGINIA 08/21/2006 12/14/2006 S Large Bank

985620 PLANTERS B&TC OF VA, STAUNTON, VIRGINIA 09/18/2006 12/24/2006 S Large Bank

8631 PLEASANTS CTY BK, SAINT MARYS, WEST VIRGINIA 09/25/2006 12/28/2006 S Small Bank

1494240 RBC CENTURA BK, ROCKY MOUNT, NORTH CAROLINA 04/17/2006 12/06/2006 S Large Bank

506922 SANDY SPRING BK, OLNEY, MARYLAND 08/07/2006 12/24/2006 S Large Bank

693224 UNION B&TC, BOWLING GREEN, VIRGINIA 06/19/2006 10/24/2006 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 January 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

02/12/2007

ATB Management, LLC, Birmingham,

Alabama, to become a bank holding company

by acquiring control of ATB Holdings, LLC,

Birmingham, Alabama, and indirectly aquiring

control of Alabama Trust Bank, N.A.,

Sylacauga, Alabama.

ATB MANAGEMENT, LLC

Newspaper:

Federal Register:

* 3A1

Not available

First Citizens Financial Corporation, 01/29/2007

Dawsonville, Georgia, to become a bank

holding company by acquiring 100 percent of

the outstanding shares of First Citizens Bank

of Georgia, Dawsonville, Georgia (in

organization).

FIRST CITIZENS FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

First Commercial Bank of Florida, Orlando, 01/19/2007

Florida, to establish a branch located at 800

Deltona Boulevard, Deltona, Florida, to be

known as the West Volusia Office.

FIRST COMMERCIAL BANK

OF FLORIDA

* 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 January 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 01/28/2007

02/02/2007

Capitol Bancorp, Ltd., Lansing, Michigan and

Capitol Development Bancorp Limited VI,

Lansing, Michigan, to acquire 51 percent of

the voting shares of Sunrise Community Bank

(in organization), Palm Desert, California.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 23718-B El

Toro Road, Lake Forest, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 2500 E.

Imperial Highway, Suite 190, Brea, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 10111 W.

Adams Avenue, Suite 101, Huntington Beach,

California.

COMERICA BANK

Newspaper:

Federal Register:

* 3A5 02/03/2007

01/16/2007

First Busey Corporation, Urbana, Illinois, to

merge with Main Street Trust, Inc.,

Champaign, Illinois, and thereby indirectly

acquire Main Street Bank & Trust,

Champaign, Illinois.

FIRST BUSEY CORPORATION

Newspaper:

Federal Register:

* 3A3 01/31/2007

02/05/2007

Grant County State Bancshares, Inc. Employee

Stock Ownership Plan, Swayzee, Indiana, to

increase its ownership to 42 percent of the

outstanding voting shares of Grant County

State Bancshares, Inc., Swayzee, Indiana, as a

result of a stock redemption, and thereby

increase its indirect ownership of Grant County

State Bank, Swayzee, Indiana.

GRANT COUNTY STATE

BANCSHARES, INC,

EMPLOYEES STOCK

OWNERSHIP PLAN

Newspaper:

Federal Register:

* Branch

Not applicable

Hendricks County Bank and Trust Company, 02/05/2007

Brownsburg, Indiana, to establish a branch

facility to be located at 963 North State Road

267, Avon, Indiana.

HENDRICKS COUNTY BANK

AND TRUST COMPANY

Newspaper:

Federal Register:

* 3A1 Not available

02/02/2007

Millennium Bancorp, Inc., Morton Grove,

Illinois, to become a bank holding company by

acquiring 100 percent of the voting shares of

Millennium Bank (in organization), Des

Plaines, Illinois.

MILLENNIUM BANCORP, INC.

Newspaper:

Federal Register:

CIC 01/05/2007

01/05/2007

Notification by Thomas M. Marcuccilli and

James C. Marcuccilli, both of Fort Wayne,

Indiana and their immediate families to retain

control of 18.5 percent of the outstanding

shares of STAR Financial Group, Inc., Fort

Wayne, Indiana, and indirectly STAR

Financial Bank, Fort Wayne, Indiana.

STAR FINANCIAL GROUP,

INC.

Newspaper:

Federal Register:

4c8 Not applicable

01/26/2007

State Center Financial, Inc., State Center,

Iowa, to engage in extending credit and

servicing loans, pursuant to Section

225.28(b)(1) of Regulation Y.

STATE CENTER FINANCIAL,

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

87047 FIRST ST BK OF PORTER, PORTER, INDIANA 06/12/2006 01/08/2007 S Small Bank

2533119 NORTHSIDE CMNTY BK, GURNEE, ILLINOIS 09/11/2006 01/05/2007 S Large Bank

695349 TRI-CTY BK, BROWN CITY, MICHIGAN 09/11/2006 01/08/2006 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 January 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Heritage Bancorp, Inc., Mason, Tennessee, to

become a bank holding company by acquiring

50 percent of Fayette Bancorp, Inc., Mason,

Tennessee, and thereby indirectly acquire

Mason Bancorp, Inc., Mason, Tennesse and

Bank of Mason, Mason, Tennessee.

FAYETTE BANCORP, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending January 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 01/09/2007

01/16/2007

Notice by Dan L. Rorvig, McVille, North

Dakota; Teresa L. Rorvig, McVille, North

Dakota; Robert J. Fossum, Forest River, North

Dakota; and Troy D. Olson, Cooperstown,

North Dakota, acting as a group in concert to

gain control of McVille Financial Services,

Inc., McVille, North Dakota, and thereby

indirectly gain control of Mcville State Bank,

McVille, North Dakota.

MCVILLE FINANCIAL

SERVICES, INC.

Newspaper:

Federal Register:

CIC Not available

02/05/2007

Notice by Robert Donavon Weerts and Jennifer

Lavon Weerts, both of Winnebago, Minnesota,

to gain control of Northern Star Financial,

Inc., Mankato, Minnesota, and thereby

indirectly gain control of Northern Star Bank,

Mankato, Minnesota.

NORTHERN STAR

FINANCIAL, 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 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 January 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 02/15/2007

01/12/2007

Country Bank Shares, Inc., Milford, Nebraska,

to acquire 100 percent of the voting shares of

Mid-Nebraska Company, Inc., parent of

Kearney State Bank and Trust Company, both

in Kearney, Nebraska.

Newspaper:

Federal Register:

* 3A3 01/08/2007

01/12/2007

Blue Valley Ban Corp., to acquire 100 percent

of the voting shares of Unison Bancorp, Inc.,

parent Western National Bank, both of Lenexa,

Kansas.

BLUE VALLEY BAN CORP.

Newspaper:

Federal Register:

CIC Not available

01/18/2007

Notice by David E. Pfrang, Goff, Kansas, and

Judy L. Georg, Sabetha, Kansas, to become

members of a group acting in concert, to

acquire control of Farmers State Bankshares,

Inc., parent of Farmers State Bank, both in

Circleville, Kansas.

FARMERS STATE

BANKSHARES, INC.

Newspaper:

Federal Register:

CIC 01/15/2007

01/08/2007

Notification by Lynda L. Cameron,

Wellington, Florida, to acquire control of First

Fidelity Bancorp, Inc., parent of First Fidelity

Bank, N.A., both in Oklahoma City,

Oklahoma.

FIRST FIDELITY BANCORP,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

* 18C

* Branch

01/05/2007

First State Bancorporation, Albuquerque, New

Mexico, to acquire 100 percent of the voting

shares of Front Range Capital Corporation,

parent of Heritage Bank, both in Louisville,

Colorado. First Community Bank, Taos, New

Mexico, to merge with Heritage Bank,

Louisville, Colorado, and incident thereto, to

establish thirteen branches at 2775 Pearl Street

and 1900 Ninth Street, both in Boulder; 811

South Public Road and 2695 North Park Drive,

Suite 101, both in Lafayette; 1543 Wazee

Street and 3850 York Street, both in Denver;

1020 Century Drive and 801 Main Street, both

in Louisville; Erie, Broomfield, Longmont,

Niwot, and Firestone, all in Colorado.

FIRST STATE

BANCORPORATION

Newspaper:

Federal Register:

CIC Not available

01/30/2007

Notification by Nancy A. Strohmeyer,

Lakewood, Colorado, to retain control of

FirstBank Holding Company, parent of

FirstBank of Colorado, both in Lakewood,

Colorado.

FIRSTBANK HOLDING

COMPANY

Newspaper:

Federal Register:

* 3A3 01/27/2007

01/29/2007

Frontier Holdings, LLC, Omaha, Nebraska, to

acquire 100 percent of the voting shares of

Pender State Bank, Pender, Nebraska. Frontier

Management, LLC, Omaha, Nebraska, to

acquire 100 percent of the voting shares of

Pender State Bank, Pender, Nebraska, by virtue

of its control of the affairs of Frontier

Holdings, LLC, Omaha, Nebraska.

FRONTIER HOLDINGS, LLC

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

Federal Reserve Bank of Kansas City

Filings received during the week ending January 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 01/23/2007

01/24/2007

Notification by Kris Ann Carson, Mulvane,

Kansas, as co-trustee of the Frank L. Carson,

III Trust No. 1, to retain control of Mulvane

Bankshares, Inc., parent of Mulvane State

Bank, both in Mulvane, Kansas.

MULVANE BANKSHARES,

INC.

Newspaper:

Federal Register:

CIC 02/02/2007

01/30/2007

Notification by Monty W. Rhine, Wamgeo,

Kansas, to retain control of Republic Bancorp,

Inc., parent of New Century Bank, N.A., both

in Munden, Kansas. Notice by Republic

Bancorp, Inc., Munden, Kansas, to redeem

33.33 percent of its outstanding common stock.

REPUBLIC BANCORP, 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

1002953 AMERICAN BK OF BAXTER SPRINGS, BAXTER SPRINGS, KANSAS 09/18/2006 12/12/2006 S Small Bank

782650 CITIZENS ST BK OF CORTEZ, CORTEZ, COLORADO 09/05/2006 12/06/2006 S Small Bank

3027763 CORNERSTONE BK, OVERLAND PARK, KANSAS 09/25/2006 12/20/2006 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 January 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 January 13, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

01/19/2007

Franklin Resources, Inc., San Mateo,

California, to retain control of 24.4 percent of

First Chicago Bancorp, and thereby indirectly

retain control of its subsidiary, First Chicago

Bank & Trust, both of Chicago, Illinois.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

CIC 12/26/2006

01/03/2007

Notice by Stuart J. Shelk, Jr., Linda S. Shelk,

Clark J. Shelk Trust UA, Anne Marie Shelk

Trust UA, and John B. Shelk Trust UA, Powell

Butte, Oregon, to increase their ownership to

10.58 percent, collectively, in Prineville

Bancorporation and thereby indirectly control

its subsidiary, Community First Bank, both of

Prineville, Oregon.

PRINEVILLE

BANCORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

02/05/2007

Security Pacific Bancorp, Los Angeles,

California, to acquire up to 24.9 percent of

Pacific Premier Bancorp, Inc., and thereby

indirectly acquire shares of its subsidiary,

Pacific Premier Bank, both of Costa Mesa,

California.

SECURITY PACIFIC 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