Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 10

Week Ending March 10, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions March 4, 2007 to March 10, 2007

Bank Holding Companies

Industrial Bank of Taiwan Co., Ltd., Taipei, Taiwan, and IBT Holdings Corp., 

Cerritos, California -- to become bank holding companies and to acquire EverTrust 

Bank, City of Industry.

- Approved, March 9, 2007 

Enforcement

Banco de la Nacion Argentina, Buenos Aires, Argentina, and its New York 

branch -- written agreement with the Federal Reserve Bank of New York and the 

New York State Banking Department.

- Announced, March 6, 2007 

(AC) = Addition or Correction Board - Page 1 of 1
March 4, 2007 to March 10, 2007

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

1st Source Bank, South Bend, Indiana -- to establish two branches at 133 North 4th 

Street, Lafayette, and 401 North 4th Street.

- Approved, March 7, 2007 

Chicago

Bank of Essex, Tappahannock, Virginia -- to establish a branch on Northumberland 

Highway east of Route 729, Callao.

- Approved, March 7, 2007 

Richmond

Bank of Essex, Tappahannock, Virginia -- to establish a branch on Northumberland 

Highway east of Route 644, Burgess.

- Approved, March 7, 2007 

Richmond

Comerica Bank, Detroit, Michigan -- to establish branches at 2000 Avenue of the 

Stars, Los Angeles, California; 1802 Garnet Avenue, San Diego; 370 Green Road, 

Houston, Texas; and 6412 San Felipe Street.

- Approved, March 8, 2007 

Secretary

First Bank, St. Louis, Missouri -- to establish a branch at 17000 Ventura Boulevard, 

Encino, California.

- Approved, March 7, 2007 

St. Louis

Old Line Bank, Bowie, Maryland -- to establish a branch at 6301 Ivy Lane, 

Greenbelt.

- Approved, March 6, 2007 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority March 4, 2007 to March 10, 2007

Bank Branches, Domestic

Paradise Bank, Boca Raton, Florida -- to establish a branch at 1351 North Federal 

Highway, Delray Beach.

- Approved, March 9, 2007 

Atlanta

RBC Centura Bank, Raleigh, North Carolina -- to establish a branch at 1321 

Heathrow Center Lane, Lake Mary, Florida.

- Approved, March 8, 2007 

Richmond

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 6650 Collier Boulevard, 

Naples, Florida.

- Approved, March 8, 2007 

Secretary

Bank Holding Companies

Bancorp of New Jersey, Inc., Fort Lee, New Jersey -- to become a bank holding 

company and to acquire Bank of New Jersey.

- Approved, March 9, 2007 

New York

BOK Financial Corporation, Tulsa, Oklahoma -- waiver of application in connection 

with the merger of Bank of Kansas City, National Association, Overland Park, 

Kansas, with Osage Valley Bank, Warsaw, Missouri.

- Granted, March 8, 2007 

Kansas City

Business First Bancshares, Inc., Baton Rouge, Louisiana -- to become a bank 

holding company and to acquire Business First Bank.

- Approved, March 7, 2007 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority March 4, 2007 to March 10, 2007

Bank Holding Companies

Community First Bancshares, Inc., Harrison, Arkansas -- waiver of application in 

connection with the acquisition by its subsidiary, White River Bancshares 

Company, Fayetteville, of Brinkley Bancshares, Inc., Brinkley, and the merger of 

Bank of Brinkley with White River's subsidiary, Signature Bank of Arkansas, 

Fayetteville.

- Granted, March 9, 2007 

St. Louis

Fidelity Southern Corporation, Atlanta, Georgia -- waiver of application in 

connection with the proposed acquisition of United Heritage Bank, Orlando, Florida.

- Withdrawn, March 9, 2007 

Atlanta

First Bancorp of Durango, Inc., Inverness, Illinois -- to acquire Grants State Bank, 

Grants, New Mexico.

- Withdrawn, March 9, 2007 

Kansas City

Grant County State Bancshares, Inc. Employees Stock Ownership Plan, Swayzee, 

Indiana -- to retain ownership of 39.80 percent of the shares of Grant County State 

Bancshares, Inc. and thereby retain indirect control of Grant County State Bank.

- Approved, March 7, 2007 

Chicago

Home Bancshares, Inc., Conway, Arkansas -- waiver of application in connection 

with the acquisition by its subsidiary, White River Bancshares Company, 

Fayetteville, of Brinkley Bancshares, Inc., Brinkley, and the merger of Bank of 

Brinkley with White River's subsidiary, Signature Bank of Arkansas, Fayetteville.

- Granted, March 9, 2007 

St. Louis

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

notification period for J.P. Morgan International Finance Limited, Newark, 

Delaware, to make an investment in Bank of Moscow, Moscow, Russian Federation.

- Granted, March 8, 2007 

Director, BS&R

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority March 4, 2007 to March 10, 2007

Bank Holding Companies

Kaw Valley Bancshares, Inc., Wamego, Kansas -- to acquire Kaw Valley State Bank 

and Trust Company.

- Approved, March 8, 2007 

Kansas City

Pacific Premier Bancorp, Costa Mesa, California -- to become a bank holding 

company and to acquire Pacific Premier Bank.

- Approved, March 6, 2007 

San Francisco

Planters Bank & Trust Company of Virginia, Staunton, Virginia -- relief from a 

commitment.

- Granted, March 6, 2007 

Richmond

Security Pacific Bancorp, Los Angeles, California -- to acquire up to 24.9 percent of 

the shares of Pacific Premier Bancorp, Costa Mesa, and indirectly acquire shares of 

its subsidiary, Pacific Premier Bank.

- Approved, March 6, 2007 

San Francisco

State Bankshares, Inc., Fargo, North Dakota -- to acquire Passport Benefit 

Solutions, L.L.C., Minnetonka, Minnesota, and thereby engage in employee benefits 

consulting services and related data processing.

- Approved, March 5, 2007 

Minneapolis

Union County Bancshares, Inc., Anna, Illinois -- waiver of application to merge 

with The Jonesboro Bancompany, Inc., Jonesboro, in connection with the merger of 

The First National Bank of Jonesboro with Union County Bancshares' subsidiary, 

The Anna National Bank, Anna.

- Granted, March 8, 2007 

St. Louis

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority March 4, 2007 to March 10, 2007

Bank Holding Companies

Western Arizona Bancorp, Inc., Yuma, Arizona -- to become a bank holding 

company and to acquire 1st Bank Yuma.

- Approved, March 7, 2007 

San Francisco

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

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

Bank of Brinkley with White River's subsidiary, Signature Bank of Arkansas, 

Fayetteville.

- Granted, March 8, 2007 

St. Louis

Bank Mergers

The State Bank and Trust Company, Defiance, Ohio -- to merge with The Exchange 

Bank, Luckey.

- Approved, March 5, 2007 

Cleveland

State Bank Financial, La Crosse, Wisconsin -- to purchase the assets and assume the 

liabilities of the Sparta branch of Acuity Bank, Tomah, and thereby establish a 

branch at 203 West Wisconsin Street, Sparta.

- Approved, March 9, 2007 

Minneapolis

Sun American Bank, Boca Raton, Florida -- to merge with Independent Community 

Bank, Tequesta.

- Approved, March 5, 2007 

Atlanta

Banks, Foreign

Mizrahi Tefahot Bank Ltd., Ramat Gan, Israel -- to establish a branch in New York, 

New York, by relocating its existing branch from Los Angeles, California, to New 

York; and to establish a representative office in Los Angeles.

- Withdrawn, March 6, 2007 

New York

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority March 4, 2007 to March 10, 2007

Change In Bank Control

Dublin Bancshares, Inc., Dublin, Texas -- change in bank control.

- Permitted, March 5, 2007 

Dallas

Northern Star Financial, Inc., Mankato, Minnesota -- change in bank control.

- Permitted, March 9, 2007 

Minneapolis

Republic Bancorp, Inc., Munden, Kansas -- to retain control of Republic Bancorp, 

Inc.

- Withdrawn, March 5, 2007 

Kansas City

Extensions Of Time

A.N.B. Holding Company, Ltd., Terrell, Texas -- extension to June 13, 2007, to 

acquire The ANB Corporation, The ANB Delaware Corporation, and The American 

National Bank of Texas.

- Granted, March 5, 2007 

Dallas

AuburnBank, Auburn, Alabama -- extension to November 17, 2007, to establish a 

branch at the intersection of Frederick Road and Enterprise Drive in the Kroger 

Tigertown Supermarket, Opelika.

- Granted, March 8, 2007 

Atlanta

First National Bank Group, Inc., Edinburg, Texas -- extension to June 11, 2007, to 

acquire 9.90 percent of the shares of Southside Bancshares, Inc., Tyler, and 

indirectly acquire Southside Delaware Financial Corporation, Dover, Delaware, and 

Southside Bank, Tyler.

- Granted, March 9, 2007 

Dallas

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority March 4, 2007 to March 10, 2007

Extensions Of Time

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

Newport, Arkansas -- extension to May 23, 2007, to become a bank holding 

company and to acquire an additional 1.63 percent, for a total of 26.58 percent, of 

the shares of M&P Community Bancshares, Inc. and thereby acquire Greers Ferry 

Lake State Bank, Heber Springs, and Merchants & Planters Bank, Newport; and 

election to become a financial holding company.

- Granted, March 5, 2007 

St. Louis

Pacific Enterprise Bancorp, Irvine, California -- extension to June 15, 2007, to 

become a bank holding company and to acquire Pacific Enterprise Bank, a de novo 

bank, and for Pacific Enterprise Bank to become a member of the Federal Reserve 

System.

- Granted, March 6, 2007 

San Francisco

Financial Holding Companies

First Corbin Bancorp, Inc., Corbin, Kentucky -- election to become a financial 

holding company.

- Effective, March 6, 2007 

Cleveland

Membership

Pacific Premier Bank, Costa Mesa, California -- to become a member of the Federal 

Reserve System.

- Approved, March 6, 2007 

San Francisco

(AC) = Addition or Correction Delegated - Page 7 of 7
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending March 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5

* 3A3

03/26/2007

03/26/2007

Butler Bancorp, MHC and Butler Bancorp,

Inc., both of Lowell, Massachusetts, to acquire

Marlborough Bancorp, MHC and its subsidiary

bank, Marlborough Co-operative Bank, both of

Marlborough, Massachusetts, pursuant to

sections 3(a)(3) and 3(a)(5) of the Bank

Holding Company Act of 1956, as amended.

BUTLER BANCORP, MHC

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5

4c8

04/05/2007

Chittenden Corporation, Burlington, Vermont

to acquire: i) Merrill Merchants Bancshares,

Inc. and Merrill Merchants Bank, both of

Bangor, Maine, pursuant to sections 3(a)(3)

and 3(a)(5) of the BHC Act; and ii) greater

than 5% of M&M Consulting Limited Liability

Company, Bangor, Maine and Profit

Protection, L.L.C., Fort Lauderdale, Florida

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

CHITTENDEN CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

02/12/2007

Merrimack Bancorp, MHC, Concord, New

Hampshire to acquire 100% of the voting

shares of Bow Mills Bank, Bow, New

Hampshire pursuant to section 3(a)(3) of the

BHC Act.

MERRIMACK BANCORP MHC

Newspaper:

Federal Register:

* 18C Not available

Not applicable

State Street Bank and Trust Company, Boston,

Massachusetts (SSBT) to merge with Investors

Bank & Trust Company, Boston,

Massachusetts, with SSBT as the surviving

entity.

STATE STREET BANK AND

TRUST COMPANY

Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

State Street Bank and Trust Company, Boston,

Massachusetts to acquire a majority of the

shares of the capital stock of Investors

International Corporation, Boston,

Massachusetts pursuant to section 211.5(e)(1)

of Regulation K.

STATE STREET BANK AND

TRUST COMPANY

* 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 March 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 03/15/2007

03/23/2007

Amboy Bancorporation Employee Stock

Ownership Plan to become a bank holding

company by acquiring up to 26% of the

common stock of Amboy Bancorporation, both

of Old Bridge, New Jersey.

AMBOY BANCORPORATION

EMPLOYEE STOCK

OWNERSHIP PLAN

Newspaper:

Federal Register:

Other Foreign Not available

Not applicable

Banco Santander International, Miami,

Florida, an Edge Corporation held by Banco

Santander Central Hispano, Madrid, Spain,

provided notice to the Board of Governors of

the Federal Reserve System of its intention to

establish a domestic branch in Seattle,

Washington.

BANCO SANTANDER

INTERNATIONAL

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Chemung Canal Trust Company, Elmira, New

York to merge with Partners Interim Bank, a

wholly-owned subsidiary of Partners Trust

Bank ("Partners Trust"), both of Utica, New

York, and thereby acquire certain trust

accounts from Partners Trust.

CHEMUNG CANAL TRUST

COMPANY

Newspaper:

Federal Register:

FBSEA

Not applicable

China Merchants Bank Co., Ltd.,Shenzhen, 04/05/2007

Peoples Republic of China to establish a

branch in New York.

CHINA MERCHANTS BANK

CO. LTD.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

The Bank of New York Mellon Corporation,

New York, New York ("BNY Mellon")

requests prior approval for the merger of

Mellon Financial Corporation, Pittsburgh,

Pennsylvania and The Bank of New York

Company, Inc., New York, New York, and

each of their subsidiary banks, with and into

BNY Mellon.

The Bank of New York Mellon

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 March 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

First Priority Financial Corp., Malvern, PA, to

form a bank holding company by acquiring

First Priority Bank, Malvern, PA

First Priority Financial Corp.

* 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 March 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5

* 3A1

03/26/2007

03/05/2007

Huntington Bancshares Incorporated,

Columbus, Ohio, through its wholly-owned

subsidiary Penguin Acquisition, LLC, also of

Columbus, Ohio, to acquire 100 percent of Sky

Financial Group, Inc., Bowling Green, Ohio,

and thereby indirectly acquire Sky Bank,

Salineville, Ohio, and Sky Trust, NA, Pepper

Pike, Ohio

HUNTINGTON BANCSHARES

INCORPORATED

Newspaper:

Federal Register:

* 3A5

Not available

LNB Bancorp, Inc., Lorain, OH to acquire 04/11/2007

Morgan Bancorp, Inc., and its wholly-owned

bank subsidiary, Morgan Bank, N.A., both

located in Hudson, OH pursuant to Section

3(a)(5) of the Bank Holding Company Act.

LNB 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 March 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Oak Ridge Financial Services, Inc., Oak Ridge,

North Carolina, to become a bank holding

company through the acquisition of 100% of

the voting securities of the Bank of Oak Ridge,

Oak Ridge, North Carolina.

Oak Ridge Financial Services,

Inc.

Newspaper:

Federal Register:

* Branch

Not applicable

Virginia Business Bank, Richmond, Virginia, 03/17/2007

requests permission to provide a courier service

to pick up deposits from customers.

VIRGINIA BUSINESS 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 March 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/30/2007

03/08/2007

NBOG Bancorporation, Inc., Gainesville,

Georgia, prior change in control filed by

William R. Blanton, Alpharetta, Georgia, to

acquire 54.7 percent of the outstanding shares

of National Bank of Gainesville, Gainesville,

Georgia.

NBOG BANCORPORATION,

INC.

Newspaper:

Federal Register:

CIC 03/21/2007

03/22/2007

United Americas Bankshares, Inc., Atlanta,

Georgia, after-the-fact change in control notice

filed by Mr. Salvador Diaz-Verson, Sarasota,

Florida, to retain 17.05 percent of the

outstanding shares of United Americas

Bankshares, Inc., and its subsidiary, United

Americas Bank, N.A., both of Atlanta,

Georgia.

UNITED AMERICAS

BANKSHARES, 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

381334 ALABAMA EXCH BK, TUSKEGEE, ALABAMA 11/13/2006 03/01/2007 O 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 March 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 03/23/2007

03/23/2007

Associated Banc-Corp., Green Bay, Wisconsin,

to acquire 100 percent of the voting shares of

First National Bank of Hudson, Woodbury,

Minnesota.

ASSOCIATED BANC-CORP

Newspaper:

Federal Register:

* 3A3 Not available

03/22/2007

C-B-G, Inc., West Liberty, Iowa, to acquire up

to $500,000 in additional shares of

Washington Bancorp, Washington, Iowa, and

thereby indirectly increase its interest in

Washington Bancorp's subsidiary, Federation

Bank, Washington, Iowa.

C-B-G, INC.

Newspaper:

Federal Register:

* 4c8 Not available

Not available

Capitol Bancorp, Ltd., Lansing, Michigan, to

convert Ohio Commerce Bank, Beachwood,

Ohio and Bank of Maumee, Maumee, Ohio,

into a thrift institution.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Isabella Bank and Trust, Mt. Pleasant,

Michigan, to merge with FSB Bank,

Breckenridge, Michigan, and thereby to

establish 5 branches.

ISABELLA BANK AND TRUST

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

M&I Marshall & Ilsley Bank, Milwaukee,

Wisconsin, to acquire certain of the assets and

assume certain of the liabilities of Fidelity

Bank, Norcross, Georgia, and thereby to

establish a branch at 640 East SR 434,

Longwood, Florida.

M&I MARSHALL & ILSLEY

BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

M&I Marshall & Ilsley Bank, Milwaukee,

Wisconsin, to merge with United Heritage

Bank, Orlando, Florida, and thereby to

establish 13 branches.

M&I MARSHALL & ILSLEY

BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

M&I Marshall & Ilsley Bank, Milwaukee,

Wisconsin, to acquire substantially all of the

assets and assume substantially all of the

liabilities of United Heritage Bank, Orlando,

Florida, and thereby to establish 12 branches.

M&I MARSHALL & ILSLEY

BANK

Newspaper:

Federal Register:

* 3A3 03/27/2007

04/05/2007

Minier Financial, Inc. Employee Stock

Ownership Plan w/401(k) Provisions, Minier,

Illinois, to increase its ownership of Minier

Financial, Inc., Minier, Illinois, from 26.12

percent to no more than 51 percent, and

thereby increase its indirect ownership of First

Farmers State Bank, Minier, Illinois.

MINIER FINANCIAL, INC.

EMPLOYEE STOCK

OWNERSHIP PLAN W/401(K)

PROVISIONS

Newspaper:

Federal Register:

* 3A3 Not available

04/09/2007

Paramount Bancorp, Inc., Farmington Hills,

Michigan, to acquire 100 percent of the voting

shares of Paramount Bank Nevada (in

organization), Las Vegas, Nevada.

PARAMOUNT BANCORP, INC.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 March 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 04/05/2007

04/06/2007

Tri-County Holdings, Inc., Dongola, Illinois, to

become a bank holding company by acquiring

100 percent of First State Bank of Dongola,

Dongola, Illinois.

TRI-COUNTY HOLDINGS, 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 March 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

1st Bank, Evanston, Wyoming, to merge with

North Side State Bank of Rock Springs, Rock

Springs, Wyoming, and incident thereto

proposes to establish a branch at 601 North

Front Street, Rock Springs, Wyoming.

1ST BANK

Newspaper:

Federal Register:

* 3A3 Not available

04/02/2007

BlackRidge Financial, Inc., Fargo, North

Dakota, to acquire 100 percent of

BlackRidgeBANK, Fargo, North Dakota, a de

novo bank.

BLACKRIDGE FINANCIAL,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Community Bank-Missoula, Inc., Missoula, 03/23/2007

Montana, to establish a branch at 3200 Brooks

Street, Missoula, Montana.

COMMUNITY BANK -

MISSOULA, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Glacier Bank of Whitefish, Whitefish, 03/09/2007

Montana, to establish a branch at 6195 Hwy 93

South, Whitefish, Montana, 59937.

GLACIER BANK OF

WHITEFISH

Newspaper:

Federal Register:

* 3A3 Not available

Member 04/09/2007

Hayward Bancshares, Inc., Eau Claire,

Wisconsin, to acquire 100 percent of Summit

Community Bank, Maplewood, Minnesota, and

incident thereto, Summit Community Bank,

Maplewood, Minnesota, a de novo bank, to

become a member of the Federal Reserve

System.

HAYWARD BANCSHARES,

INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Otto Bremer Foundation and Bremer Financial

Corporation, both of St. Paul, Minnesota,

propose to acquire, through a wholly-owned

subsidiary, Bremer Insurance Agencies, Inc.,

St. Paul, Minnesota, certain assets of

Buchmeier Agency, Inc., St. Paul, Minnesota,

and thereby engage in insurance agency

activities in conformity with section

225.28(b)(11)(vii).

OTTO BREMER FOUNDATION

* 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 March 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

04/09/2007

AMG National Corp., Englewood, Colorado, to

become a bank holding company through the

retention of 100 percent of the voting shares of

AMG National Trust Bank, Englewood,

Colorado, upon its conversion from a trust

company to a commercial bank.

AMG NATIONAL CORP.

Newspaper:

Federal Register:

* 3A3 Not available

04/06/2007

Citizens National Corporation, Wisner,

Nebraska, to acquire 100 percent of the voting

shares of Spalding City Corporation, Omaha,

Nebraska, parent of Spalding City Bank,

Spalding, Nebraska.

CITIZENS NATIONAL

CORPORATION

Newspaper:

Federal Register:

CIC Not available

03/16/2007

Notification by Jeffrey G. Dawson Revocable

Trust dated 6-10-05, Mound City, Kansas,

Jeffrey G. Dawson, trustee, to retain control of

Cunningham Agency, Inc., parent of Farmers

and Merchants Bank of Mound City, both in

Mound City, Kansas, through the acquisition

of voting shares.

CUNNINGHAM AGENCY, INC.

Newspaper:

Federal Register:

* 3A1 Not available

03/19/2007

Farmers and Drovers Financial Corp., Council

Grove, Kansas, to become a bank holding

company through the acquisition of 100

percent of the voting shares of Farmers and

Drovers Bank, Council Grove, Kansas.

FARMERS AND DROVERS

FINANCAL CORP

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Douglas J. Compton, Lawrence,

Kansas, to acquire control of First Financial

Bancshares, Inc., parent of The Lawrence

Bank, both in Lawrence, Kansas, through the

acquisition of voting shares.

FIRST FINANCIAL

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 03/22/2007

03/23/2007

Application by First National of Illinois, Inc.,

Omaha, Nebraska, to acquire 100 percent of

the voting shares of First Marengo Financial

Corporation, parent of First National Bank of

Marengo, both in Marengo, Illinois.

Application filed by First National of

Nebraska, Inc., and Lauritzen Corporation,

both of Omaha, Nebraska, to indirectly acquire

100 percent of the voting shares of First

Marengo Financial Corporation, Marengo,

Illinois, parent of First National Bank of

Marengo, Marengo, Illinois.

FIRST NATIONAL OF

ILLINOIS, INC.

Newspaper:

Federal Register:

CIC 04/29/2007

03/27/2007

Tyson Aaron Rucker, Eureka, Kansas and

Bradley Dean Rucker, Wichita, Kansas, to

become members of a group acting in concert

to acquire control of Greenwood County

Financial Services, Inc, Eureka, Kansas, parent

of Home Bank and Trust Company, Eureka,

Kansas, through the acquisition of voting

shares.

GREENWOOD COUNTY

FINANCIAL SERVICES, 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

502559 GUNNISON B&TC, GUNNISON, COLORADO 11/27/2006 03/01/2007 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 March 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/30/2007

03/16/2007

Notice by J & V Grist Family, Ltd., Andrews,

Texas, and general partner, Mr. John E. Grist,

Andrews, Texas, to acquire 75.19 percent of

Andrews Holding Company, Andrews, Texas,

and indirectly Commercial State Bank,

Andrews, Texas.

ANDREWS HOLDING

COMPANY

Newspaper:

Federal Register:

* 3A1

Not available

Bozka Investments, Ltd., Hallettsville, Texas, 03/31/2007

to become a bank holding company by

acquiring 15.63 percent of Peoples State Bank

of Hallettsville, Hallettsville, Texas. The

Bozka Management Trust, Hallettsville, Texas,

is the General Partner of Bozka Investments,

Ltd. and Mr. James N. Bozka, Hallettsville,

Texas, is Trustee of the Bozka Management

Trust.

BOZKA INVESTMENTS, LTD.

Newspaper:

Federal Register:

* Branch

Not applicable

Citizens Bank, Slaton, Texas, to establish a 03/16/2007

branch to be located at 7125 82nd Street,

Lubbock, Texas 79424.

CITIZENS BANK

Newspaper:

Federal Register:

* 3A3

* 4c8

03/31/2007

04/02/2007

Woodforest Financial Group, Inc., The

Woodlands, Texas, to acquire 100 percent of

Olympic Savings, SSB, Refugio, Texas, a state

savings bank. Upon consummation of the

proposed acquisition, Woodforest will convert

Olympic Bank into a federal savings bank and

change its name to Woodforest Bank, FSB,

Refugio, Texas. Applicant filed a 3(a)(3) to

acquire Olympic Bank, which will be a "bank"

at the time of acquisition. Applicant filed an

accompanying Section 4(c)(8) application to

operate the target Bank as a "thrift", pursuant

to Section 225.28(b)(4)(ii) of Regulation Y,

following its conversion to a federal savings

bank.

WOODFOREST FINANCIAL

GROUP, 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 March 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

04/02/2007

Banner Corporation, Walla Walla,

Washington, to merge with San Juan Financial

Holding Company and thereby indirectly

acquire its subsidiary, Islanders Bank, both of

Friday Harbor, Washington.

BANNER CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

East West Bank, Pasadena, California, to 03/22/2007

establish a branch facility at 2959 Chino

Avenue, Chino, California.

EAST WEST BANK

Newspaper:

Federal Register:

* 3A3 Not available

04/02/2007

Franklin Resources, Inc., San Mateo,

California, to retain 8.11 percent of Coast

Financial Holdings, Inc., and thereby indirectly

retain its subsidiary, Coast Bank of Florida,

both of Bradenton, Florida.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

CIC 03/08/2007

02/20/2007

Notice by Bishop Limited Partnership,

Burlington, Washington, to increase its

ownership to 10.08 percent of Skagit State

Bancorp, Inc., and thereby indirectly control its

subsidiary, Skagit State Bank, both of

Burlington, Washington.

SKAGIT STATE BANCORP

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act