Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 44 

Week Ending November 1, 2008

Board of Governors of the Federal Reserve System, Washington, DC 20551
Discount Rates

Discount and Advance Rates -- decrease in the primary credit rate from 1-3/4 percent 

to 1-1/4 percent by the Federal Reserve Banks of Boston, New York, Cleveland, 

Chicago, St. Louis, Kansas City, and San Francisco.

- Approved, October 29, 2008

Discount and Advance Rates -- decrease in the primary credit rate from 1-3/4 percent 

to 1-1/4 by the Federal Reserve Banks of Philadelphia, Richmond, Minneapolis, and 

Dallas.

- Approved, October 30, 2008

Discount and Advance Rates -- decrease in the primary credit rate from 1-3/4 percent 

to 1-1/4 percent by the Federal Reserve Bank of Atlanta.

- Approved, October 31, 2008

Monetary and Financial Policy

Interest on Excess Reserves -- revision of the formula for determining the interest 

rate paid to depository institutions on excess reserve balances.

- Approved, October 21, 2008

(A/C)

Reserve Bank Services

Federal Reserve Priced Services -- 2009 fee schedules for priced services and 

electronic access, and a private sector adjustment factor.

- Approved, October 27, 2008

Enforcement

Remo DuQuoin LLC, Miami, Florida; Privee LLC; and Republic Federal Bancorp, 

Inc. -- written agreement with the Federal Reserve Bank of Atlanta.

- Announced, October 28, 2008

H.2 Board Actions October 26, 2008 to November 1, 2008

(A/C) = Addition or Correction Board - Page 1 of 2
Enforcement

State Holding Company, Thermopolis, Wyoming -- written agreement with the 

Federal Reserve Bank of Kansas City.

- Announced, October 30, 2008

H.2 Board Actions October 26, 2008 to November 1, 2008

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

October 26, 2008 to November 1, 2008

Bank Branches, Domestic

Comerica Bank, Dallas, Texas -- to establish branches at 5925 Overton Ridge 

Boulevard, Fort Worth; 4351 Western Center Boulevard; 421 West 3rd Street; 8422 

Dallas Parkway, Frisco; and 13200 N I H 35, Austin.

Dallas

- Approved, October 29, 2008

Compass Bank, Birmingham, Alabama -- to establish branches at 280 West 136th 

Avenue, Denver, Colorado; 450 Highway 528, Bernalillo, New Mexico; 3830 Gulf 

Shores Parkway, Gulf Shores, Alabama; 1805 East Main Street, Prattville; 4401 

Basswood Boulevard, Fort Worth, Texas; and 4200 Highway 360, Fort Worth.

Atlanta

- Approved, October 30, 2008

MetroBank of Dade County, Miami, Florida -- to establish a branch at 11715 West 

Okeechobee Road, Hialeah Gardens.

Atlanta

- Approved, October 30, 2008

Old Line Bank, Bowie, Maryland -- to establish a branch at 1641 State Route 3 

North, Crofton.

Richmond

- Approved, October 30, 2008

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 14100 Whitney Road, 

Gainesville, Virginia.

Atlanta

- Withdrawn, October 30, 2008

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

Broward Financial Holdings, Inc., Fort Lauderdale, Florida -- to become a bank 

holding company and to acquire Broward Bank of Commerce (in organization), Fort 

Lauderdale.

Atlanta

- Approved, October 31, 2008

Campello Bancorp, Brockton, Massachusetts -- to acquire The Community Bank, A 

Massachusetts Co-operative Bank, Brockton, in connection with the conversion of 

Campello from mutual to stock form.

Boston

- Approved, October 31, 2008

Commerce Bancshares Inc., Franklin, Tennessee -- to engage de novo in 

management consulting activities.

Atlanta

- Withdrawn, October 29, 2008

First Artesia Bancshares, Inc., Artesia, New Mexico -- to acquire AmFin Holding 

Company, Silver City, and thereby acquire AmBank.

Dallas

- Approved, October 28, 2008

First Bank & Trust Company, Wagoner, Oklahoma -- waiver of application to 

acquire Green Country Bancorporation, Inc., Ketchum, and its subsidiary bank, The 

First State Bank, in connection with the merger of First Bank & Trust Company, 

Wagoner, and The First State Bank, Ketchum.

Kansas City

- Granted, October 27, 2008

H.2 Actions under delegated authority October 26, 2008 to November 1, 2008

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

First Sentry Bancshares, Inc., Huntington, West Virginia -- waiver of application to 

acquire Guaranty Financial Services, Inc., Huntington, and Guaranty Bank and Trust, 

in connection with the merger of Guaranty Bank and Trust and First Sentry Bank.

Richmond

- Granted, October 27, 2008

Illinois National Bancorp, Inc., Springfield, Illinois -- to engage de novo in lending 

activities.

Chicago

- Approved, October 31, 2008

ST Financial Group, Inc., Montgomery, Texas -- to become a bank holding company 

and to acquire Snook Bancshares, Inc., Snook, and thereby acquire First Bank of 

Snook.

Dallas

- Approved, October 30, 2008

Wells Fargo Bank, National Association, Sioux Falls, South Dakota -- request for an 

exemption from section 23A of the Federal Reserve Act and Regulation W to 

purchase certain assets and loan commitments from four nonbank affiliates: The 

Foothill Group, Inc., Santa Monica, California; Wells Fargo Foothill, Inc.; Wells 

Fargo Trade Capital, Inc., New York, New York; and Wells Fargo Retail Finance II, 

LLC, Boston, Massachusetts, in connection with the reorganization of these affiliates 

into Wells Fargo Bank.

Director, BS&R

- Granted, October 29, 2008

H.2 Actions under delegated authority October 26, 2008 to November 1, 2008

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

Fifth Third Bank, Grand Rapids, Michigan -- to assume the deposits and purchase 

certain assets of Freedom Bank, Bradenton, Florida.

Cleveland

- Approved, October 31, 2008

First State Bank, Conway, Arkansas -- to merge with Marine Bank, Marathon, 

Florida, and thereby establish branches.

St. Louis

- Approved, October 27, 2008

Change In Bank Control

First Arkansas Bancshares, Inc., Jacksonville, Arkansas -- change in bank control of 

First Arkansas and its subsidiary bank, First Arkansas Bank and Trust, Jacksonville.

St. Louis

- Permitted, October 30, 2008

Hometown Bancshares, Inc., Hamilton, Alabama -- change in bank control of 

Hometown and its subsidiary bank, PeoplesTrust Bank, Hamilton.

Atlanta

- Permitted, October 28, 2008

Extensions Of Time

Bank of the Commonwealth, Norfolk, Virginia -- extension to February 1, 2009, to 

establish a branch at 221 Western Avenue, Suffolk.

Richmond

- Granted, October 29, 2008

H.2 Actions under delegated authority October 26, 2008 to November 1, 2008

(A/C) = Addition or Correction Delegated - 4 of 6
Extensions Of Time

Crescent Capital VI LLC, Bellevue, Washington -- extension to February 5, 2009, to 

become a bank holding company and to acquire shares of Cowlitz Bancorp, 

Longview, and Cowlitz Bank.

San Francisco

- Granted, October 30, 2008

NRBC Holding Corporation, Chicago, Illinois -- extension to February 1, 2009, to 

become a bank holding company and to acquire The National Republic Bank of 

Chicago, Chicago.

Chicago

- Granted, October 31, 2008

Financial Holding Companies 

JJR Holding Company, Inc., Brick, New Jersey -- election to become a financial 

holding company.

Philadelphia

- Effective, October 29, 2008

Membership

Anson Bank & Trust Co., Wadesboro, North Carolina -- to become a member of the 

Federal Reserve System.

Richmond

- Approved, October 29, 2008

Bank of Stanly, Albemarle, North Carolina -- to become a member of the Federal 

Reserve System.

Richmond

- Approved, October 29, 2008

H.2 Actions under delegated authority October 26, 2008 to November 1, 2008

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

Cabarrus Bank & Trust Company, Concord, North Carolina -- to become a member 

of the Federal Reserve System.

Richmond

- Approved, October 29, 2008

Regulations And Policies

Short-term Interest Rates -- decrease in the target for the federal funds rate from 

1-1/2 percent to 1 percent.

FOMC

- Approved, October 29, 2008

H.2 Actions under delegated authority October 26, 2008 to November 1, 2008

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

Federal Reserve Bank of Boston

Filings received during the week ending November 1, 2008

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 November 1, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

11/17/2008

Banco Santander S.A., Boadilla, Spain, to 

acquire 75.01% of the outstanding voting stock 

of Sovereign Bancorp., and thereby indirectly 

acquire its wholly-owned subsidiary Sovereign 

Bank, and thereby operate a savings 

association

BANCO SANTANDER, S.A.

Newspaper:

Federal Register:

* 3A3 Not available

4c8 Not available

Citigroup Inc., New York, New York, to acquire 

five insured depository institution subsidiaries 

of Wachovia Corporation, Charlotte, North 

Carolina: Wachovia Bank, National Association, 

Charlotte, North Carolina; Wachovia Bank of 

Delaware, National Association, Wilmington, 

Delaware; Wachovia Card Services, National 

Association, Atlanta, Georgia; Wachovia 

Mortgage, FSB, Las Vegas, Nevada; and 

Wachovia Bank, FSB, Houston, Texas, pursuant 

to Sections 3(a)3 and 4(c)(8) of the BHC Act and 

thereby operate a savings association, pursuant 

to section 225.28(b)(4) of Regulation Y.

CITIGROUP INC.

Newspaper:

Federal Register:

FBSEA

Not applicable

ICICI Bank Limited, Mumbai, India, to establish 11/26/2008

representative offices in San Francisco, 

California; Atlanta, Georgia; Chicago, Illinois; 

Edison, New Jersey; Houston, Texas and 

Washington D.C., pursuant to Section 211.24(a)

(2)(i)(B)(2) of Regulation K.

ICICI BANK LIMITED

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Morgan Stanley, New York, New York to 

acquire up to 9.9 percent of the common stock 

of Heritage Bank, N.A. (in organization), New 

York, New York.

MORGAN STANLEY

* 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 November 1, 2008

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 November 1, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 11/24/2008

11/28/2008

S&T Bancorp, Inc., Indiana, PA to acquire up to 

24.99% of the outstanding voting shares of 

Allegheny Valley Bancorp, Inc., Pittsburgh, PA.

S & T BANCORP, INC.

* 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 November 1, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Bank of America Corporation, Charlotte, North 

Carolina, to acquire Merrill Lynch Yatirim Bank 

A.S., Istanbul, Turkey.

BANK OF AMERICA 

CORPORATION

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Peoples Community Bank, Montross, Virginia, 

to increase its investment in bank premises.

PEOPLES COMMUNITY 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 November 1, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco de Desarrollo Rural, S.A., (BANRURAL), 

Guatemala City, Guatemala, to establish a 

representative office located in Miami, Florida.

BANCO DE DESARROLLO 

RURAL, S.A.

Newspaper:

Federal Register:

* Branch

Not applicable

Old Southern Bank, Orlando, Florida, to 11/09/2008

establish a branch located at 970 Rinehart Road, 

Lake Mary, Florida, to be known as the Lake 

Mary Office.

OLD SOUTHERN BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 11/12/2008

branch located at 14100 Whitney Road, 

Gainesville, Virginia, to be known as the 

Gainesville Office.

SUNTRUST BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 November 1, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Carrie A. Zorich, Muscatine, Iowa; 

Daniel P. Stein, Muscatine, Iowa; Timothy J. 

Stein, Madison, Wisconsin, Individually and as 

co-trustees of the Inter Vivos Stock Trust of 

Simon G. Stein IV and the James Philip Stein 

Trust No. 1, to gain control of Central 

Bancshares, Inc., Muscatine,Iowa, and thereby 

indirectly Central State Bank, Muscatine, Iowa; 

Farmers and Merchants Bank, Galesburg, 

Illinois; Freedom Security Bank, Coralville, 

Iowa; and West Chester Savings Bank, 

Washington, Iowa.

CENTRAL BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

City State Bank, Odgen, Iowa, to merge with 

Ames Community Bank, Ames, Iowa, and 

Community Bank of Boone, Boone, Iowa. As a 

result of these mergers, all offices of Ames 

Community Bank and Community Bank of 

Boone will become offices of City State Bank.

CITY STATE BANK

Newspaper:

Federal Register:

CIC Not available

11/04/2008

Notice by Spiro P. Argiris, Burr Ridge, Illinois, 

individually and as part of a group acting in 

concert with Theodore P. Argiris, Palos Park, 

Illinois, Cathy Argiris, Palos Park, Illinois, and 

Carpetcrafters, Inc., Alsip, Illinois, to acquire 

control of Community Holdings Corporation, 

Palos Hills, Illinois, and thereby indirectly 

control Family Bank and Trust Company, Palos 

Hills, Illinois.

COMMUNITY HOLDINGS 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

Not available

First Community Financial Partners, Inc., Joliet, 

Illinois, to acquire at least 50.1 percent of the 

voting shares of Burr Ridge Bank and Trust (in 

organization), Burr Ridge, Illinois.

FIRST COMMUNITY 

FINANCIAL PARTNERS, INC.

Newspaper:

Federal Register:

* 3A1 Not available

4c8 Not available

Golden Eagle Bancorp, Inc., Woodstock, 

Illinois, to become a bank holding company by 

acquiring 100 percent of the voting shares of 

Golden Eagle Community Bank, Woodstock, 

Illinois, and thereby to engage in extending 

credit and servicing loans.

Golden Eagle Bancorp, Inc.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Grant County State Bancshares, Inc. Employee 

Stock Ownership Plan, Swayzee, Indiana, to 

increase its ownership to 41.6 percent of the 

voting shares of Grant County State 

Banschares, Inc., Swayzee, Indiana, and thereby 

indirectly increase its ownership of Grant 

County State Bank, Swayzee, Indiana.

GRANT COUNTY STATE 

BANCSHARES, INC, 

EMPLOYEES STOCK 

OWNERSHIP PLAN

Newspaper:

Federal Register:

CIC Not available

11/19/2008

Notice by Cummins Inc., Columbus, Indiana, to 

acquire 10 percent or more of the voting shares 

of Irwin Financial Corporation, Columbus, 

Indiana, and thereby indirectly acquire Irwin 

Union Bank & Trust Company, Columbus, 

Indiana and Irwin Union Bank, F.S.B., 

Columbus, Indiana.

IRWIN FINANCIAL 

CORPORATION

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

Federal Reserve Bank of Chicago

Filings received during the week ending November 1, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Linden State Bank, Linden, Indiana, to merge 

with Farmers State Bank, New Ross, Indiana, 

and thereby to establish 4 branches.

LINDEN STATE BANK

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Paramount Bank, Farmington Hills, Michigan, to 

merge with Paramount Bank, Las Vegas, 

Nevada.

PARAMOUNT BANK

Newspaper:

Federal Register:

* 3A3 Not available

11/28/2008

Peoples Bancorp, Inc., Prairie du Chien, 

Wisconsin, to acquire 100 percent of the voting 

shares of Security State Bank, Guttenberg, Iowa.

PEOPLES BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

11/28/2008

White River Capital, Inc., Indianapolis, Indiana, 

to become a bank holding company by 

acquiring 100 percent of the voting shares of 

First Chicago Bancorp, Itasca, Illinois, and 

thereby indirectly acquire First Chicago Bank & 

Trust, Itasca, Illinois.

WHITE RIVER CAPITAL, INC.

Newspaper:

Federal Register:

4c8 Not applicable

11/28/2008

White River Capital, Inc., Indianapolis, Indiana, 

to acquire 100 percent of the voting shares of 

Union Acceptance Company, LLC, Indianapolis, 

Indiana, and Coastal Credit, LLC, Virginia 

Beach, Virginia.

WHITE RIVER CAPITAL, INC.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 November 1, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 11/09/2008

establish a branch facility to be located at 5215 

West 6th Avenue, Stillwater, Oklahoma.

ARVEST BANK

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 November 1, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/14/2008

Change in control notice by Norlin G. Boyum, 

Minneapolis, Minnesota, John B. Boyum, 

Arlington, Virginia, and Stephanie J. Boyum, 

New York, New York, as part of a group acting 

in concert, to acquire 25 percent or more of the 

shares of Citizens Bancshares of Woodville, 

Inc., Hudson, Wisconsin, and thereby indirectly 

acquire control of Citizens State Bank, Hudson, 

Wisconsin.

CITIZENS BANCSHARES OF 

WOODVILLE, 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 November 1, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 11/24/2008

11/20/2008

Lakeside Holding Corporation, to become a 

bank holding company through the acquisition 

of 100 percent of the voting shares of Lakeside 

State Bank, both in Oologah, Oklahoma.

LAKESIDE HOLDING 

CORPORATION

Newspaper:

Federal Register:

* 3A3 11/24/2008

11/06/2008

Lindoe, Inc., Ordway, Colorado, to acquire 51 

percent of the voting shares of Southern 

Colorado National Bancorporation, Inc., Pueblo, 

Colorado and thereby indirectly acquire 

Southern Colorado National Bank, Pueblo, 

Colorado.

LINDOE, 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 November 1, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

11/28/2008

Hebbronville Regional Bancshares, Inc., 

Hebbronville, Texas, to become a bank holding 

company by acquiring 100 percent of The First 

National Bank of Hebbronville, Hebbronville, 

Texas.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas, to establish 2 

branches at the following locations: 10115 W. 

McDowell Rd., Avondale, Arizona 85392 and 

14211 W. Bell Road, Surprise, Arizona 85374.

COMERICA BANK

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Independent Bank Group, Inc., McKinney, 

Texas, to acquire by merger 100 percent of 

Independent Bank Group Central Texas, Inc., 

Waco, Texas, and indirectly acquire 

Independent Bank, Waco, Texas.

INDEPENDENT BANK GROUP, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

11/28/2008

Marion Bancshares, Inc., Marion, Texas, to 

become a bank holding company by acquiring 

100 percent of Marion State Bank, Marion, 

Texas.

MARION BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by David 0. Rogers, Jr. and Dora Rogers 

of Edinburg, Texas, Saul and Kellye Ortega of 

Edinburg, Texas, and Arturo and Sonja Ortega 

of Weslaco, Texas, to acquire shares of, and 

thereby control, MNB Ventures, Inc., Mercedes, 

Texas, which controls Texas National Bank, 

Mercedes, Texas.

MNB VENTURES, 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 November 1, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

CapitalSource Inc., CapitalSource TRS, Inc., and 

CapitalSource Finance LLC, all of Chevy Chase, 

Maryland, to become bank holding companies 

by acquiring Community Banks of Northern 

California, Tracy, California. Additionally, 

CapitalSource Inc., CapitalSource TRS, Inc., and 

Capital Source Finance LLC, elect to become 

financial holding companies.

CAPITALSOURCE INC.

* 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