Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 39 

Week Ending September 29, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
Banks, State Member

County Bank, Merced, California -- to purchase the assets and assume the liabilities 

of eleven California branches of National Bank of Arizona, Tucson, Arizona, and 

thereby establish branches.

- Approved, September 24, 2007

Regulations And Policies

Broker Exceptions for Banks -- final interagency rules regarding the scope of 

securities activities that banks may conduct in providing banking services to their 

customers without registering with the Securities and Exchange Commission as a 

securities broker (Docket No. R-1274).

- Approved, September 24, 2007

Regulation D -- final rule implementing the annual indexing of the low reserve 

tranche, reserve requirement exemption amount, nonexempt deposit cutoff level, and 

reduced reporting limit for 2008 (Docket No. R-1297).

- Approved, September 24, 2007

Unlawful Internet Gambling -- publication for comment of interagency rule regarding 

prohibition on funding of unlawful Internet gambling (Docket No. R-1298).

- Approved, September 24, 2007

Enforcement

Great River Bank & Trust, Davenport, Iowa -- written agreement with the Federal 

Reserve Bank of Chicago.

- Announced, September 26, 2007

H.2 Board Actions September 23, 2007 to September 29, 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

September 23, 2007 to September 29, 2007

Bank Branches, Domestic

The Bank of Fayetteville, Fayetteville, Arkansas -- to establish a branch at 257 West 

Main, Farmington.

St. Louis

- Approved, September 24, 2007

CapitalMark Bank & Trust, Chattanooga, Tennessee -- to establish a branch at 550 

Main Street, Suite 550, Knoxville.

Atlanta

- Approved, September 28, 2007

First Community Bank, Glasgow, Montana -- to establish a branch at 2150 

Amsterdam Road, Belgrade.

Minneapolis

- Approved, September 24, 2007

Miners Exchange Bank, Coeburn, Virginia -- to establish a branch at 1221 Lynn 

Garden Drive, Kingsport, Tennessee.

Richmond

- Approved, September 26, 2007

Select Bank, Forest, Virginia -- to establish a branch at 7113 Timberlake Road, 

Lynchburg.

Richmond

- Approved, September 25, 2007

(A/C) = Addition or Correction Delegated - 1 of 6
Bank Holding Companies

American Heritage Holdings, La Mesa, California -- to become a bank holding 

company and to acquire Borrego Springs Bank, N.A.

San Francisco

- Approved, September 27, 2007

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

company and to acquire Black Hills Community Bank, a de novo bank.

Minneapolis

- Returned, September 28, 2007

Capital Corp of the West, Merced, California -- to acquire Bay View Funding, San 

Mateo, and thereby engage in factoring and accounts receivable.

San Francisco

- Approved, September 24, 2007

Enterprise Holding Company, Omaha, Nebraska -- to become a bank holding 

company and to acquire Enterprise Bank, N.A.

Kansas City

- Approved, September 24, 2007

FBOP Corporation, Oak Park, Illinois -- waiver of application to acquire Cardinal 

Savings Bank, FSB, West Dundee, in connection with the merger of Cardinal 

Savings Bank, FSB with Park National Bank, Chicago.

Chicago

- Granted, September 24, 2007

H.2 Actions under delegated authority September 23, 2007 to September 29, 2007

(A/C) = Addition or Correction Delegated - 2 of 6
Bank Holding Companies

Kilgore National Financial Corporation, Kilgore, Texas -- to become a bank holding 

company and to acquire Kilgore National Bank.

Dallas

- Approved, September 28, 2007

Marshall & Ilsley Corporation, Milwaukee, Wisconsin, and FIC Acquisition 

Corporation, Indianapolis, Indiana -- to acquire First Indiana Corporation, 

Indianapolis, and thereby acquire First Indiana Bank, National Association.

Secretary

- Approved, September 26, 2007

Mineola Community Mutual Holding Company, Mineola, Texas, and Mineola 

Community Financial Group, Inc. -- to become bank holding companies and to 

acquire Mineola Community Bank, S.S.B.

Dallas

- Approved, September 24, 2007

Mitsubishi UFJ Financial Group, Inc., Tokyo, Japan, and The Bank of 

Tokyo-Mitsubishi UFJ, Ltd. -- to acquire an interest in Visa, Inc., San Francisco, 

California, and thereby engage in operating electronic funds transfer systems, 

operating authorization, clearing and settlement systems, and data processing.

San Francisco

- Approved, September 25, 2007

Northern Trust Corporation, Chicago, Illinois; and The Northern Trust International 

Banking Corporation, Jersey City, New Jersey -- relief from a commitment.

Director, BS&R

- Granted, September 25, 2007

H.2 Actions under delegated authority September 23, 2007 to September 29, 2007

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

Oostburg Bancorp, Inc., Oostburg, Wisconsin -- to engage de novo in insurance 

agency activity.

Chicago

- Approved, September 28, 2007

Virginia Community Capital, Inc., Christiansburg, Virginia -- to become a bank 

holding company and to acquire Community Capital Bank of Virginia, a de novo 

bank.

Richmond

- Approved, September 28, 2007

W.T.B. Financial Corporation, Spokane, Washington -- to retroactively acquire 

shares of Lewis Investors, LLC, Seattle, and indirectly First Washington Corporation.

San Francisco

- Approved, September 27, 2007

Bank Mergers

Banco Popular de Puerto Rico, San Juan, Puerto Rico -- to acquire certain assets and 

assume certain liabilities of the 17 Puerto Rico branches of Citibank, NA, Las Vegas, 

Nevada.

New York

- Approved, September 28, 2007

Guaranty Bank and Trust Company, Denver, Colorado -- to merge with Centennial 

Bank of the West, Fort Collins, and thereby establish a branch.

Kansas City

- Approved, September 26, 2007

H.2 Actions under delegated authority September 23, 2007 to September 29, 2007

(A/C) = Addition or Correction Delegated - 4 of 6
Banks, Foreign

Intesa Sanpaolo S.p.A., Milan, Italy -- waiver of remainder of notification period to 

establish a branch in New York, New York.

Director, BS&R

- Granted, September 25, 2007

Intesa Sanpaolo S.p.A., Milan, Italy -- temporary relief from a commitment.

Director, BS&R

- Granted, September 25, 2007

Change In Bank Control

Access Bancshares, Inc., Champlin, Minnesota -- change in bank control.

Minneapolis

- Withdrawn, September 27, 2007

Chisholm Bancshares, Inc., Decatur, Texas -- change in bank control.

Dallas

- Permitted, September 27, 2007

Gulf Coast Bancshares, Inc., Abbeville, Louisiana -- change in bank control.

Atlanta

- Permitted, September 25, 2007

Financial Holding Companies 

Belvedere Capital Partners II LLC, San Francisco, California, and Belvedere Capital 

Fund II L.P. -- elections to become financial holding companies.

Secretary

- Effective, September 28, 2007

H.2 Actions under delegated authority September 23, 2007 to September 29, 2007

(A/C) = Addition or Correction Delegated - 5 of 6
International Operations

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

New Castle, Delaware -- waiver from the aggregate investment limit of Regulation 

K.

New York

- Withdrawn, September 24, 2007

JPMorgan Chase & Co., New York, New York -- waiver of remainder of notification 

period to invest, through J.P. Morgan International Finance Ltd., Newark, Delaware, 

in J.P. Morgan Securities Limited, London, United Kingdom, and J.P. Morgan plc; 

and modification of the aggregate investment limit of Regulation K.

Director, BS&R

- Granted, September 25, 2007

Membership

Comerica Bank, Dallas, Texas -- to merge with Comerica Bank, Detroit, Michigan, 

and thereby establish branches, and to become a member of the Federal Reserve 

System.

Dallas

- Approved, September 27, 2007

Community Capital Bank of Virginia, Christiansburg, Virginia -- to become a 

member of the Federal Reserve System.

Richmond

- Approved, September 28, 2007

First Virginia Community Bank, Fairfax, Virginia -- to become a member of the 

Federal Reserve System.

Richmond

- Approved, September 25, 2007

H.2 Actions under delegated authority September 23, 2007 to September 29, 2007

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

Federal Reserve Bank of Boston

Filings received during the week ending September 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending September 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

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:

Investment Not applicable

Not applicable

30 days' prior notice by Citibank, N.A. 

("Citibank"), Las Vegas, Nevada and Citibank 

Overseas Investment Corporation ("COIC"), 

New Castle, Delaware requesting a waiver from 

the aggregate investment limit in Section 

211.9(b)(6)(i) under Section 25A of the Federal 

Reserve Act and investments made pursuant to 

Section 211.9(f) of Regulation K resulting from a 

reorganization of Citibank's operations in Chile.

CITIBANK, N.A.

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:

* 3A3 10/15/2007

10/15/2007

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

intends to acquire control of JPMorgan Chase 

Bank, National Association ("JPMBTC"), San 

Francisco, California, pursuant to Section 3(a)(3) 

of the BHC Act and Section 225.14 of 

Regulation Y.

JPMORGAN CHASE & CO.

Newspaper:

Federal Register:

* 3A3 Not available

4c8

* 18C

* Branch

* 3A3

10/01/2007

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

M&T Bank Corporation, Buffalo, New York 

("M&T") request permission for M&T to (i) 

acquire 100 percent of the outstanding shares of 

Partners Trust Financial Group, Utica, New York 

("Partners Trust") and merge Partners Trust 

with and into M&T, and thereby to acquire 

Partners Trust's wholly-owned bank subsidiary, 

Partners Trust Municipal Bank, Utica, New 

York, and also thereby to acquire Partners Trust 

Bank, Utica, New York, and thereby operate a 

federal savings bank, and (ii) to acquire Partners 

Trust's wholly-owned direct and indirect 

non-banking subsidiaries, pursuant to Sections 

3(a)(3), 4(c)(8) and 4(j) of the Bank Holding 

Company Act of 1956, as amended, and 

Sections 225.15 and 225.24 of Regulation Y. 

In addition, Manufacturers and Traders Trust 

Company, Buffalo, New York, ("M&T Bank") to 

merge with Partners Trust Bank and Partners 

Trust Municipal Bank, with M&T Bank as the 

surviving entity, pursuant to Section 18(c) of 

the Federal Deposit Insurance Act, and in 

connection therewith, to retain the branches at 

the current branch locations of Partners Trust 

Bank, pursuant to Section 9 of the Federal 

Reserve Act.

M&T BANK CORPORATION

* 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 September 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Wilmington Trust Company, Wilmington, DE, to 

become a member of the Federal Reserve 

System.

WILMINGTON TRUST 

COMPANY

* 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 September 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 10/17/2007

10/19/2007

Fifth Third Bancorp and its wholly-owned 

subsidiary Fifth Third Financial Corporation, 

both of Cincinnati, Ohio, to acquire 100 percent 

of First Charter Corporation and, indirectly 

acuire control of First Charter Bank, both of 

Charlotte, North Carolina

FIFTH THIRD BANCORP

Newspaper:

Federal Register:

* 3A5 Not available

10/11/2007

First Corbin Bancorp, Inc. proposed acquistion 

of Eagle Fidelity, Inc. and it's subsidiary bank 

Eagle Bank, Inc pursuant to section 3(a)(5) of 

the BHCA.

FIRST CORBIN BANCORP, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

North Side Deposit Bank and Trust Company, 

Cincinnati, OH to establish a branch at State 

Route 22 and US 48, Maineville, OH.

NORTH SIDE BANK AND TRUST 

COMPANY, THE

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Application by PNC Bank, Delaware, 

Wilmington, Delaware, to acquire by merger 

Delaware Sterling Bank & Trust Company, 

Christiana, Delaware

PNC BANK, DELAWARE

* 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 September 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

EVB, Tappahannock, Virginia, proposes to 10/05/2007

establish a branch at 2599 New Kent Highway, 

Quinton, Virginia.

EVB

Newspaper:

Federal Register:

* Branch

Not applicable

Gateway Bank & Trust Co., Elizabeth City, 10/08/2007

North Carolina, proposes to establish a branch 

at 901 Military Cutoff Road, Wilmington, North 

Carolina.

GATEWAY BANK & TRUST CO.

Newspaper:

Federal Register:

* 3A5

Not available

SCBT Financial Corporation, Columbia, South 10/24/2007

Carolina, to acquire 100% of the voting 

securities of TSB Financial Corporation, 

Charlotte, North Carolina, and thereby indirectly 

acquire The Scottish Bank, Charlotte, North 

Carolina.

SCBT FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

SNS Property Finance B.V., Hoevelaken, 

Netherlands, to establish a representative office 

in Reston, Virginia.

SNS Property Finance B.V.

Newspaper:

Federal Register:

* 3A1 10/22/2007

10/26/2007

South Atlantic Bancshares, Inc., Myrtle Beach, 

South Carolina, to become a bank holding 

company by acquiring 100% of the voting 

shares of South Atlantic Bank, Myrtle Beach, 

South Carolina (in organization).

SOUTH ATLANTIC 

BANCSHARES, 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

 1216291 RESOURCE BK, VIRGINIA BEACH, VIRGINIA 03/20/2006 08/16/2007 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 September 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Bay Financial Savings Bank, F.S.B., Tampa, 

Florida, to become a member of the Federal 

Reserve System, upon its conversion to Bay 

Bank, Tampa, Florida.

BAY FINANCIAL SAVINGS 

BANK, F.S.B.

Newspaper:

Federal Register:

* 3A1 10/20/2007

10/19/2007

CNB Bancorp, Inc., to become a bank holding 

company by acquiring 100 percent of the 

outstanding shares of Commonwealth National 

Bank, both of Mobile, Alabama.

CNB BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

10/26/2007

Community Bank Investors of America, LP, 

Midlothian, Virginia, to become a bank holding 

company by acquiring 34 percent of the 

outstanding shares of Bay Bank, Tampa, Florida 

(upon the conversion of Bay Financial Savings 

Bank, F.S.B., Tampa, Florida, to a state member 

bank).

COMMUNITY BANK 

INVESTORS OF AMERICA, LP

Newspaper:

Federal Register:

* 3A1

Not available

Franklin Financial Network, Inc., Franklin, 10/16/2007

Tennessee, to become a bank holding company 

by acquiring 100 percent of Franklin Synergy 

Bank, Franklin, Tennessee (in organization).

FRANKLIN FINANCIAL 

NETWORK, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Franklin Synergy Bank, Franklin, Tennessee, to 

become a member of the Federal Reserve 

System.

FRANKLIN SYNERGY BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Metropolitan BancGroup, Inc., Ridgeland, 

Mississippi, to become a bank holding company 

by acquiring 100 percent of the outstanding 

shares of BancSouth Financial Corporation, and 

its subsidiary, Bank of the South, both of 

Crystal Springs, Mississippi.

Metropolitan BancGroup, Inc.

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Pinnacle Financial Partners, Inc., Nashville, 

Tennessee, to merge with Mid-America 

Bancshares, Inc., and thereby acquire its 

subsidiaries, Bank of the South, Mt. Juliet, 

Tennessee, and PrimeTrust Bank, Nashville, 

Tennessee.

PINNACLE FINANCIAL 

PARTNERS, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 10/05/2007

branch located at 7830 Land O Lakes Blvd., 

Land O Lakes, Florida to be known as the 

Connerton 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

 808176 IBERIABANK, LAFAYETTE, LOUISIANA 05/14/2007 09/03/2007 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 September 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/28/2007

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, Merchants Merger Corp., 

Brookfield, Wisconsin, and Merchants New 

Merger Corp., Brookfield, 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

09/28/2007

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:

* 3A3 Not available

* 3A1 10/29/2007

Capitol Bancorp, Ltd., Lansing, Michigan, to 

acquire 51 percent of the voting shares of 

Citizens Business Bank (in organization), 

Goodyear, Arizona, and by Capitol 

Development Bancorp Limited VII, Lansing, 

Michigan, to become a bank holding company 

by acquiring 51 percent of the voting shares of 

Citizens Business Bank (in organization), 

Goodyear, Arizona.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish 

two branches to be located at 260 W. Grand 

Avenue, Escondido, California, and 412 

Washington Street, San Diego, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 10/03/2007

four branch facilities to be located at 2804 N. 

44th Street, Phoenix, Arizona, 4545 N. Scottsdale 

Road, Scottsdale, Arizona, 5225 S. Power Road, 

Mesa, Arizona, and 925 N. Dobson Road, Mesa, 

Arizona.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish 

two branch facilities to be located at 11355 

South Street, Cerritos, California, and 2795 

Pacific Coast Highway, Torrance, California.

COMERICA BANK

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 09/03/2007

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 09/03/2007

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

Newspaper:

Federal Register:

* 4c8 09/24/2007

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 09/24/2007

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:

* 3A3 10/14/2007

10/04/2007

Partnership Community Bancshares, Inc., 

Tomah, Wisconsin, to acquire 51 percent of the 

voting shares of Lebanon Community 

Bancshares, Inc., Watertown, Wisconsin, and 

thereby indirectly acquire Town & Country 

Bank, Watertown, Wisconsin.

PARTNERSHIP COMMUNITY 

BANCSHARES, 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

 476342 CITIZENS FIRST ST BK OF WALNUT, WALNUT, ILLINOIS 05/14/2007 08/27/2007 S Small Bank

 849647 IOWA ST SVG BK, KNOXVILLE, IOWA 06/11/2007 09/17/2007 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 September 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Fayette County, Moscow, Tennessee 10/18/2007

to establish a branch facility to be located at 118 

West Market, Bolivar, Tennessee.

BANK OF FAYETTE COUNTY 

THE

Newspaper:

Federal Register:

* Branch

Not applicable

First State Bank, Conway, Arkansas to establish 10/04/2007

a branch facility to be located at 100 South St. 

Joseph Street, Morrilton, Arkansas.

FIRST STATE BANK

Newspaper:

Federal Register:

* 3A3 11/02/2007

10/29/2007

Home BancShares, Inc., Conway, Arkansas, to 

acquire 100 percent of Centennial Bancshares, 

Inc., Little Rock, Arkansas, and thereby 

indirectly acquire Centennial Bank, Kingsland, 

Arkansas.

HOME BANCSHARES, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending September 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/12/2007

Change in control notice by Michael L. Frei, 

Pickstown, South Dakota to join a group acting 

in concert by acquiring shares of Commercial 

Holding Company, Wagner, South Dakota, and 

thereby indirectly acquiring control of 

Commercial State Bank, Wagner, South Dakota.

COMMERCIAL HOLDING 

COMPANY

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Hazen Bancorporation, Hazen, North Dakota, to 

increase its ownership of the outstanding stock 

of North Star Holding Company, Jamestown, 

North Dakota, to 16.67%, and thereby indirectly 

acquire Unison Bank, Jamestown, North Dakota.

HAZEN BANCORPORATION, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

McIntosh County Bank Holding Company, 

Ashley, North Dakota, to increase its ownership 

of the outstanding stock of North Star Holding 

Company, Jamestown, North Dakota, to 33.33%, 

and thereby indirectly acquire Unison Bank, 

Jamestown, North Dakota.

MCINTOSH COUNTY BANK 

HOLDING COMPANY, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Wishek Bancorporation, Wishek, North Dakota, 

to increase its ownership of the outstanding 

stock of North Star Holding Company, 

Jamestown, North Dakota, to 33.33%, and 

thereby indirectly acquire Unison Bank, 

Jamestown, North Dakota.

WISHEK BANCORPORATION, 

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

 289757 MERCHANTS ST BK, FREEMAN, SOUTH DAKOTA 05/29/2007 09/12/2007 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 September 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notification by the Robert Regnier, Leawood, 

Kansas; Catherine Regnier, Mission, Kansas; 

and Victor Regnier, Los Angeles, California; as 

members of the Regnier Family Limited 

Partnership II, Overland Park, Kansas, to retain 

control of Blue Valley Ban Corp, parent of Bank 

of Blue Valley, both in Overland Park, Kansas.

BLUE VALLEY BAN CORP.

Newspaper:

Federal Register:

* 3A3 10/14/2007

09/04/2007

Carroll County Bancshares, Inc., Carrollton, 

Missouri, to acquire up to 100 percent of the 

voting shares of Farmers and Merchants Bank, 

Hale, Missouri.

CARROLL COUNTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 10/14/2007

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:

* 3A3 Not available

10/26/2007

First Olathe Bancshares, Inc., Overland Park, 

Kansas, to acquire up to 99.88 percent of the 

voting shares of First National Bank of 

Scottsdale, Scottsdale, Arizona (in 

organization).

FIRST OLATHE BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A1 09/20/2007

10/23/2007

Grant County Bank Employee Stock Ownership 

Plan, to become a bank holding company 

through the retention of 25.60 percent of the 

voting shares of Resource One, Inc., parent of 

Grant County Bank, all of Ulysses, Kansas.

GRANT COUNTY BANK 

EMPLOYEE STOCK OWNERSHIP 

PLAN

Newspaper:

Federal Register:

CIC 09/20/2007

10/12/2007

Notification by Joseph M. Sullivan, Ulysses, 

Kansas, as co-trustee of the Grant County Bank 

Employee Stock Ownership Plan (ESOP), to 

retain control of Resource One, Inc., parent of 

Grant County Bank, both in Ulysses, Kansas.

RESOURCE ONE, 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

 989758 BANKWEST OF KANSAS, GOODLAND, KANSAS 06/18/2007 09/13/2007 S Small Bank

 957757 COMMUNITY B&TC, NEOSHO, MISSOURI 06/11/2007 09/13/2007 S Small Bank

 2380470 PREMIER BK, DENVER, COLORADO 05/29/2007 08/24/2007 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 September 29, 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

 643368 CITIZENS ST BK, PRINCETON, TEXAS 06/18/2007 09/17/2007 S Small Bank

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 September 29, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Security Business Bancorp to become a bank 

holding company by acquiring 100 percent of 

Security Business Bank of San Diego, both of 

San Diego, California.

Security Business 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

 256179 UTAH INDEP BK, SALINA, UTAH 05/21/2007 09/12/2007 O Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act