Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 17 

Week Ending April 26, 2008

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

Sovereign Wealth Funds -- statement by Scott G. Alvarez, general counsel, before 

the Senate Committee on Banking, Housing, and Urban Affairs on investments by 

sovereign wealth funds in U.S. banks and bank holding companies.

- Published, April 24, 2008

Personnel

Management Division -- appointment of Donald A. Spicer as deputy director; Elaine 

M. Boutilier and Charles F. O'Malley as deputy associate directors; William L. 

Mitchell as associate director and chief financial officer; James R. Riesz as associate 

director; Christopher J. Suma, Jeffrey R. Peirce, and Theresa A. Trimble as assistant 

directors; and Carol Sanders as special adviser, effective April 27; and Michell C. 

Clark as deputy director, effective May 5, 2008.

- Announced, April 22, 2008

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

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operational and Payment System

IF International Finance

OSDM Office of Staff Director for Management

April 20, 2008 to April 26, 2008

Bank Branches, Domestic

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 1133 North Bryant 

Avenue, Edmond, Oklahoma.

St. Louis

- Approved, April 22, 2008

Citizens Bank, Flint, Michigan -- to establish a branch at 32507 Northwestern 

Highway, Farmington Hills.

Secretary

- Approved, April 25, 2008

Community Banks of Colorado, Greenwood Village, Colorado -- to establish a 

branch at 320 Main Street, Carbondale.

Kansas City

- Withdrawn, April 21, 2008

First Bank, Creve Coeur, Missouri -- to establish a branch at 858 Arnold Commons 

Drive, Arnold.

St. Louis

- Approved, April 21, 2008

First Community Bank, Taos, New Mexico -- to establish a branch at 905 University 

Avenue, Las Cruces.

Secretary

- Approved, April 23, 2008

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

Alliance Financial Corporation, Gastonia, North Carolina -- to become a bank 

holding company and to acquire Alliance Bank & Trust Company, Gastonia.

Richmond

- Approved, April 25, 2008

ATB Management, LLC, Birmingham, Alabama, and ATB Holdings, LLC -- to 

acquire shares of Guardian Bancshares, Inc., Sylacauga, and its subsidiary, Alabama 

Trust Bank, N.A.

Atlanta

- Approved, April 23, 2008

Central Bancorp, Inc., Garland, Texas -- to acquire Jones County Bank, Haddock, 

Georgia.

Dallas

- Approved, April 23, 2008

Cross County Bancshares, Inc., Wynne, Arkansas -- to acquire additional shares of 

First Southern Bank, Batesville.

St. Louis

- Approved, April 23, 2008

CTB Financial Corporation, Ruston, Louisiana -- to acquire Community Trust Bank 

of Texas, Dallas, Texas, a de novo bank.

Dallas

- Approved, April 21, 2008

Fentura Financial, Inc., Fenton, Michigan -- relief from certain commitments.

Chicago

- Withdrawn, April 22, 2008

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

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

Gateway Financial Holdings of Florida, Inc., Daytona Beach, Florida -- to acquire 

Gateway Bank of Southwest Florida, Sarasota, (in organization).

Atlanta

- Approved, April 22, 2008

National Australia Bank Limited, Melbourne, Australia; National Equities Limited 

A.B.N., National Americas Investment, Inc., New York, New York; and National 

Americas Holdings LLC -- to become a bank holding company and to acquire Great 

Western Bancorporation, Inc., Omaha, Nebraska, and Great Western Bank, 

Watertown, South Dakota.

New York

- Approved, April 25, 2008

Resurgens Bancorp, Inc., Atlanta, Georgia -- to become a bank holding company and 

to acquire Resurgens Bank, Atlanta, (in organization).

Atlanta

- Approved, April 25, 2008

Select Bancorp, Inc., Greenville, North Carolina -- to become a bank holding 

company and to acquire Select Bank & Trust Company, Greenville.

Richmond

- Approved, April 24, 2008

Tompkins Financial Corporation, Ithaca, New York -- to acquire Sleepy Hollow 

Bancorp Inc., Sleepy Hollow, and Sleepy Hollow Bank.

New York

- Approved, April 21, 2008

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

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

Valley National Bank, Passaic, New Jersey -- waiver of application for Valley 

National Bancorp, Wayne, to acquire Greater Community Bancorp, Totowa, in 

connection with the merger of their subsidiaries, Valley National Bank, Passaic, and 

Greater Community Bank, Totowa.

New York

- Granted, April 24, 2008

Wells Fargo & Company, San Francisco, California -- to acquire The Jackson State 

Bank & Trust, Jackson, Wyoming; Shoshone First Bank, Cody; Sheridan State Bank, 

Sheridan; and First State Bank of Pinedale, Pinedale; and to acquire certain assets 

and liabilities of their parent holding company, United Bancorporation of Wyoming, 

Inc, Jackson.

Secretary

- Approved, April 25, 2008

Change In Bank Control

Central Bancshares, Inc., Golden Valley, Minnesota -- change in bank control of 

Bancshares and its subsidiary bank, Central Bank, Stillwater.

Minneapolis

- Permitted, April 24, 2008

Extensions Of Time

Capitol Bancorp Ltd., Lansing, Michigan -- extension to July 22, 2008, to acquire 

shares of Colonia Bank (in organization), Phoenix, Arizona, and for Capitol 

Development Bancorp Limited VII, Lansing, Michigan, to become a bank holding 

company and to acquire shares of Colonia Bank (in organization).

Chicago

- Granted, April 23, 2008

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

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

Capitol Bancorp, Ltd., Lansing, Michigan -- extension to July 24, 2008, to acquire 

shares of Reidsville Community Bank (in organization), Reidsville, North Carolina, 

and for Capitol Development Bancorp Limited VII, Lansing, Michigan, to become a 

bank holding company and to acquire shares of Reidsville Community Bank (in 

organization).

Chicago

- Granted, April 23, 2008

Capitol Bancorp, Ltd., Lansing, Michigan -- extension to July 24, 2008, to acquire 

shares of Pisgah Community Bank (in organization), Asheville, North Carolina, and 

for Capitol Development Bancorp Limited VII, Lansing, Michigan, to become a bank 

holding company and to acquire shares of Pisgah Community Bank (in organization).

Chicago

- Granted, April 23, 2008

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

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

M&P Community Bancshares, Inc., Newport.

St. Louis

- Granted, April 24, 2008

Membership

Alpine Bank of Illinois, Rockford, Illinois -- to become a member of the Federal 

Reserve System and to merge with Belvidere National Bank & Trust Company, 

Belvidere, and thereby establish seven branches.

Chicago

- Approved, April 23, 2008

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

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

Federal Reserve Bank of Boston

Filings received during the week ending April 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 05/22/2008

Application by ESB Bancorp, MHC and ESB 

Bancorp, Inc., both of Easthampton, 

Massachusetts, to become a mutual bank 

holding company and stock bank holding 

company, respectively, by acquiring 

Easthampton Savings Bank, Easthampton, 

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

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

of 1956, as amended.

ESB BANCORP MHC

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 05/05/2008

Application by Green Valley Bancorp, MHC, 

and Green Valley Bancorp, Inc, both of 

Southbridge, Massachusetts, to become a 

mutual bank holding company and stock bank 

holding company, respectively, by acquiring 

Southbridge Savings Bank, Southbridge, 

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

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

of 1956, as amended.

GREEN VALLEY BANCORP, MHC

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending April 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

Banco do Brasil, S.A., Brasilia, Brazil, to 05/12/2008

establish a representative office in Orlando, 

Florida.

BANCO DO BRASIL S.A.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

First State Bancorp NJ, Inc., to form a one-bank 

holding company, pursuant to Section 3(a)(5)(C) 

of the Bank Holding Company Act and Section 

225.17 of Regulation Y, by acquiring First State 

Bank, both of Cranford, New Jersey.

First State Bancorp NJ, Inc.

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending April 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 05/23/2008

05/23/2008

Integrity Bancshares, Inc., Camp Hill, PA, to 

become a bank holding company by acquiring 

Integrity Bank, Camp Hill, PA.

Integrity Bancshares, Inc.

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 833271 CONESTOGA BK, CHESTER SPRINGS, PENNSYLVANIA 10/29/2007 04/08/2008 O Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending April 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 05/19/2008

05/26/2008

First Southern Bancorp, Inc., Stanford, KY to 

make a non-controlling investment acquiring up 

to 24.99 percent acquire of the outstanding 

voting shares of CKF Bancorp, Inc., Danville, 

KY pursuant to section 4(c)(8) of the BHC Act

FIRST SOUTHERN BANCORP, 

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notices of Change in Bank Control 

filed by:

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

authority granted by proxy from Mark Dunlap 

over 58.25 shares or 55.48% of the outstanding 

voting shares of New Richmond 

Bancorporation, New Richmond, OH;

(2.) Samad Yaltaghian, Rusden, Northants, 

England, to acquire 46.75 shares or 45.52 

percent of the outstanding voting shares of 

New Richmond Bancorporation, New Richmond, 

OH;

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

Yaltaghian, Rusden, Northants, England, in 

concert resulting from a proxy to vote 46.75 

shares or 45.52 percent of the outstanding 

voting shares of New Richmond 

Bancorporation, New Richmond, OH granted to 

Jay L. Dunlap by Samad Yaltaghian.

NEW RICHMOND 

BANCORPORATION

Newspaper:

Federal Register:

* 3A3

* 18C

* Branch

Not available

Whitaker Bank Corporation of Kentucky, 05/23/2008

Lexington, KY to acquire State Financial 

Services, Inc.,Harrodsburg, KY pursuant to 

section 3 of the BHC Act AND State Bank & 

Trust, Harrodsburg, KY to merge with and into 

Whitaker Bank, Inc., Lexington, KY pursuant to 

Section 18(c) of the FDIC Act.

WHITAKER BANK 

CORPORATION OF KENTUCKY

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending April 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

HomeTown Bank, Roanoke, Virginia, proposes 05/01/2008

to establish a branch at 1540 Roanoke Street, 

Christiansburg, Virginia.

HOMETOWN BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Valley Bank, Roanoke, Virginia, proposes to 05/08/2008

establish a branch at 4003 Challenger Avenue, 

Roanoke, Virginia.

VALLEY BANK

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending April 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Caixa de Aforros de Vigo, Ourense e 

Pontevedra, Vigo, Spain, to establish 

international bank branches in New York, New 

York, Chicago, Illinois, Los Angeles, California, 

and Houston, Texas.

CAIXA DE AFORROS DE VIGO, 

OURENSE E PONTEVEDRA

Newspaper:

Federal Register:

* 3A1

Not available

Verity Capital Group, Inc., Dahlonega, Georgia, 05/23/2008

to become a bank holding company through the 

acquisition of 100 percent of the outstanding 

shares of Verity Bank, Winder, Georgia (in 

organization).

VERITY CAPITAL GROUP INC.

* 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

 539032 BANK INDEP, SHEFFIELD, ALABAMA 11/05/2007 02/25/2008 S Large Bank

 177135 FIRST PROGRESSIVE BK, BREWTON, ALABAMA 09/24/2007 01/03/2008 S Small 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 April 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

05/22/2008

Lake Shore Wisconsin Corporation, Sheboygan, 

Wisconsin, to become a bank holding company 

by acquiring 100 percent of the voting shares of 

Lake Shore Bank (in organization), Sheboygan, 

Wisconsin.

LAKE SHORE WISCONSIN 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

05/26/2008

Liberty Financial Services, Inc., Sioux City, 

Iowa, to acquire 100 percent of Valley Bank 

N.A., Elk Point, South Dakota.

LIBERTY FINANCIAL SERVICES, 

INC.

Newspaper:

Federal Register:

CIC 04/23/2008

04/28/2008

Notice by Fred W. McKee, Indianapolis, 

Indiana, Grace M. Norris, Indianapolis, Indiana, 

George D. McKee, Binghamton, New York, and 

David H. McKee, Indianapolis, Indiana, to retain 

their ownership of greater than 25 percent of the 

outstanding stock of Midstate Financial 

Corporation, Brownsburg, Indiana, and thereby 

indirectly retain Hendricks County Bank & 

Trust Company, Brownsburg, Indiana.

MIDSTATE FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

05/02/2008

Northstar Financial Group, Inc., Bad Axe, 

Michigan, to acquire 100 percent of the voting 

shares of Grand Haven Bank, Grand Haven, 

Michigan, Kent Commerce Bank, Kentwood, 

Michigan, Muskegon Commerce Bank, 

Muskegon, Michigan, and Paragon Bank & 

Trust, Holland, Michigan.

NORTHSTAR FINANCIAL 

GROUP, INC.

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

Federal Reserve Bank of Chicago

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

 440446 WEST CHESTER SVG BK, WASHINGTON, IOWA 12/10/2007 04/04/2008 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending April 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

05/26/2008

Central Bancompany, Inc., Jefferson City, 

Missouri, to acquire 100 percent of Holden 

Bancshares, Inc., Holden, Missouri, and thereby 

indirectly acquire Bank of Holden, Holden, 

Missouri.

CENTRAL BANCOMPANY

Newspaper:

Federal Register:

* 3A3 05/18/2008

05/23/2008

First National Corporation of Wynne, Wynne, 

Arkansas, to acquire 35 percent of Twin Lakes 

Bancshares, Inc., Flippin, Arkansas, and 

thereby retain control of Twin Lakes Community 

Bank, Flippin, Arkansas, and indirectly acquire 

Bank of Salem, Salem, Arkansas.

FIRST NATIONAL 

CORPORATION OF WYNNE

Newspaper:

Federal Register:

* 3A3

* 3A1

05/16/2008

05/05/2008

Reliable Community Bancshares, Inc., Perryville, 

Missouri, to acquire 100 percent of Countryside 

Bancshares, Inc., Republic, Missouri, and 

thereby indirectly acquire Countryside Bank, 

Republic, Missouri. Also, a companion filing for 

Countryside Acquisition Corporation, 

Perryville, Missouri, to become a bank holding 

company by acquiring 100 percent of 

Countryside Bancshares, Inc., Republic, 

Missouri, and thereby indirectly acquire 

Countryside Bank, Republic, Missouri.

RELIABLE COMMUNITY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1

* 3A3

05/18/2008

05/23/2008

Twin Lakes Bancshares, Inc., Flippin, Arkansas, 

to become a bank holding company by 

acquiring 100 percent of Twin Lakes Community 

Bank, Flippin, Arkansas. Also, a companion 

filing by Twin Lakes Bancshares, Inc., to 

acquire 100 percent of Bank of Salem, Salem, 

Arkansas, immediately following the bank 

holding company formation.

TWIN LAKES BANCSHARES, 

INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending April 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

05/15/2008

Hazen Bancorporation, Inc., Hazen, North 

Dakota, to acquire additional shares of the 

outstanding stock of North Star Holding 

Company, Inc., Jamestown, North Dakota, to 

increase its ownership to 19.20%, and thereby 

indirectly acquire Unison Bank, Jamestown, 

North Dakota and Unison Bank, Mesa, Arizona, 

a de novo bank.

HAZEN BANCORPORATION, 

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control notice by James A. McLean, 

Trustee of the JCLL 2007 Irrevocable Trust B 

and Trust T, Bozeman, Montana, Virginia B. 

Combs, Ennis, Montana, Peter T. Combs, 

individually, and as trustee of the Plotinus 

Trust, C. Bruce Combs, Bozeman, Montana, and 

Timothy Combs, Ennis, Montana, as a group 

acting in concert to gain control of Jackass 

Creek Land & Livestock Company, Ennis, 

Montana.

JACKASS CREEK LAND & 

LIVESTOCK COMPANY

Newspaper:

Federal Register:

* 3A3

* 3A1

04/25/2008

04/28/2008

Kirkwood Bancorporation Co., Bismarck, North 

Dakota, to acquire 27.67% of Kirkwood 

Bancorporation of Nevada, Inc., Las Vegas, 

Nevada, and thereby indirectly acquire 

Kirkwood Bank of Nevada, Las Vegas, Nevada, 

a de novo bank.

KIRKWOOD 

BANCORPORATION CO.

Newspaper:

Federal Register:

* 3A3 Not available

05/15/2008

McIntosh County Bank Holding Company, Inc., 

Ashley, North Dakota, to acquire additional 

shares of the outstanding stock of North Star 

Holding Company,Inc., Jamestown, North 

Dakota, to maintain its 33.33% ownership, and 

thereby indirectly acquire Unison Bank, 

Jamestown, North Dakota and Unison Bank, 

Mesa, Arizona, a de novo bank.

MCINTOSH COUNTY BANK 

HOLDING COMPANY, INC.

Newspaper:

Federal Register:

* 3A3 Not available

05/15/2008

North Star Holding Company, Inc., Jamestown, 

North Dakota, to acquire 100% of Unison Bank, 

Mesa, Arizona, a de novo bank.

NORTH STAR HOLDING 

COMPANY, INC.

Newspaper:

Federal Register:

* 3A3 Not available

05/15/2008

Wishek Bancorporation, Inc., Wishek, North 

Dakota, through its 28.26% ownership of North 

Star Holding Company, Inc., Jamestown, North 

Dakota, to acquire indirect control of Unison 

Bank, Mesa, Arizona, a de novo bank.

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

 763556 PLAZA PARK ST BK, WAITE PARK, MINNESOTA 12/10/2007 04/16/2008 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending April 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 05/01/2008

05/07/2008

Notice by Charles C. Neal, Miami, Oklahoma, 

individually and as trustee of the Charles A. 

Neal Revocable Trust, and by Charles C. Neal, 

Ann L. Neal and Jane E. Neal, all of Miami, 

Oklahoma; Elizabeth Edwards, Argyle, Texas; 

and Mary K. Neal, University City, Missouri, as 

members of the Neal family group, to retain 

control of First Miami Bancshares, Inc., parent 

of The First National Bank and Trust Company 

of Miami, Miami, Oklahoma, and Bank of 

Billings, Billings, Missouri, through the 

rentention of voting shares.

FIRST MIAMI BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Kaw Valley State Bank and Trust Company, 05/15/2008

Wamego, Kansas, to merge with The First 

National Bank of Clifton, Clifton, Kansas, and 

incident thereto to establish two branches, and 

to operate under the title of Kaw Valley Bank 

and Trust Company, Wamego, Kansas.

KAW VALLEY STATE BANK 

AND TRUST COMPANY

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Mountain Valley Bancshares, Inc., to become a 

bank holding company through the acquisition 

of 100 percent of the voting shares of Mountain 

Valley Bank, both in Walden, Colorado.

MOUNTAIN VALLEY 

BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending April 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 05/09/2008

05/16/2008

Algodon de Calidad Bancshares, Inc., 

Abernathy, Texas, to become a bank holding 

company by acquiring 100 percent of The First 

State Bank, Abernathy, Texas.

ALGODON DE CALIDAD 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Greg S. Stubbs and Jennifer J. Stubbs, 

Groesbeck, Texas, to acquire an interest in 

Bi-Stone Bancshares, Inc., Mexia, Texas, and 

indirectly acquire Incommons Bank, N.A., 

Mexia, Texas.

BI-STONE BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Brad Butler and Denise Butler, 

Wortham, Texas, to acquire an interest in 

Bi-Stone Bancshares, Inc., Mexia, Texas, and 

indirectly acquire Incommons Bank, N.A., 

Mexia, Texas.

BI-STONE BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Mr. Kelly O. Dunn, Scottsdale, 

Arizona, and Mr. Larry Lee Sheffield, Phoenix, 

Arizona, et al, acting in concert, to acquire 

control of New Mexico First Financial, Inc., Las 

Cruces, New Mexico, and indirectly acquire 

Mesilla Valley Bank, Las Cruces, New Mexico.

NEW MEXICO FIRST 

FINANCIAL, INC.

Newspaper:

Federal Register:

CIC Not available

04/22/2008

Notices by Ms. Laura Lankford, West, Texas; 

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

Ms. Sarah Lou Bracken, Waco, Texas, to 

acquire 37.04 percent; 27.93 percent; and 26.33 

percent, respectively, of West Bancshares, Inc., 

West, Texas, and indirectly acquire Pointwest 

Bank, West, Texas.

WEST BANCSHARES, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending April 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 05/06/2008

05/02/2008

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management, LLC, and Carpenter 

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

California, to become bank holding companies 

by acquiring 24.3 percent of Mission 

Community Bancorp, and thereby its subsidiary, 

Mission Community Bank, both of San Luis 

Obispo, California.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

* 3A1 Not available

05/26/2008

Gateway Pacific Bancorp to become a bank 

holding company by acquiring 100 percent of 

Gateway Pacific Bank (In Organization), both of 

National City, California.

Gateway Pacific Bancorp

Newspaper:

Federal Register:

* 3A1

Not available

La Jolla Pacific Bancorp to become a bank 05/22/2008

holding company by acquiring 100 percent of 

Home Bank of California, both of San Diego, 

California.

LA JOLLA 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

 1398580 NARA BK, LOS ANGELES, CALIFORNIA 10/22/2007 04/16/2008 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act