Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 45 

Week Ending November 8, 2008

Board of Governors of the Federal Reserve System, Washington, DC 20551
Forms

Forms -- initial Board review to extend with revision the Bank Holding Company 

Report of Insured Depository Institutions' Section 23A Transactions with Affiliates 

(FR Y-8) and revise without extension the Financial Statements for Nonbank 

Subsidiaries of U.S. Bank Holding Companies (FR Y-11 and FR 2314), Financial 

Statements of U.S. Nonbank Subsidiaries Held by Foreign Banking Organizations 

(FR Y-7N), Financial Statements for Bank Holding Companies (FR Y-9C, FR 

Y-9SP), and Consolidated Report of Condition and Income for Edge and Agreement 

Corporations (FR 2886b).

- Proposed, November 5, 2008

Monetary and Financial Policy

Interest on Required and Excess Reserves -- revision of the formulas for determining 

interest rates paid to depository institutions on required and excess reserve balances 

under Regulation D (Reserve Requirements of Depository Institutions).

- Announced, November 5, 2008

Term Auction Facility -- TAF auction in the amount $150 billion in 84-day credit on 

November 3, 2008.

- Announced, November 3, 2008

Personnel

Division of Banking Supervision and Regulation -- appointment of Arthur W. Lindo 

as associate director and chief accountant -- supervision.

- Announced, November 5, 2008

Regulations And Policies

Loans and Credit Facilities -- report to Congress under the Emergency Economic 

Stabilization Act of 2008 regarding new loans and credit facilities authorized 

between March 1 and October 3, 2008.

- Approved, November 3, 2008

H.2 Board Actions November 2, 2008 to November 8, 2008

(A/C) = Addition or Correction Board - Page 1 of 2
Regulations And Policies

Money Market Investor Funding Facility -- report to Congress under the Emergency 

Economic Stabilization Act of 2008 regarding the new facility.

- Approved, October 28, 2008

(A/C)

Enforcement

CapitalSouth Bancorp, Birmingham, Alabama, and CapitalSouth Bank -- issuance of 

a consent cease and desist order.

- Announced, November 6, 2008

Currie Bancorporation, Inc., Currie, Minnesota -- written agreement with the Federal 

Reserve Bank of Minneapolis.

- Announced, November 6, 2008

Paramount Bancorp, Inc., Farmington Hills, Michigan, and Paramount Bank -- 

written agreement with the Federal Reserve Bank of Chicago and the Michigan 

Office of Financial and Insurance Regulation.

- Announced, November 6, 2008

Riverside Gulf Coast Banking Company, Cape Coral, Florida, and Riverside Bank of 

the Gulf Coast -- written agreement with the Federal Reserve Bank of Atlanta and the 

State of Florida Office of Financial Regulation.

- Announced, November 3, 2008

H.2 Board Actions November 2, 2008 to November 8, 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

November 2, 2008 to November 8, 2008

Bank Branches, Domestic

Alpine Bank & Trust Co., Rockford, Illinois -- to establish a branch at 4142 John 

Farms Road, Rockford.

Chicago

- Approved, November 3, 2008

Collegiate Peaks Bank, Buena Vista, Colorado -- to establish branches at 885 South 

Colorado Boulevard, Denver, and 2191 North Ursula Number 12, Aurora.

Kansas City

- Approved, November 7, 2008

First Farmers Bank & Trust, Converse, Indiana -- to establish a branch at 826 North 

Baldwin Avenue, Marion.

Chicago

- Approved, November 3, 2008

Regions Bank, Birmingham, Alabama -- to establish branches at the intersection of 

Alabama Highway 67 and U.S. Highway 31, Decatur; the intersection of Highway 98 

(Back Beach Road) and Powell Adams Road, Panama City, Florida; 1485 West 

Gateway Boulevard, Boynton Beach; West Sandlake Road at Della Drive, Orlando; 

the intersection of Fairchild Gardens and Kyoto Gardens (Gardens Pointe), Palm 

Beach Gardens; and 1300 North Collins, Arlington, Texas.

Atlanta

- Approved, November 7, 2008

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

American Bancorp, Inc., Macon, Georgia -- to become a bank holding company and 

to acquire American Pride Bank, Macon.

Atlanta

- Approved, November 4, 2008

Carpenter Fund Manager GP, LLC, Irvine, California; SCJ, Inc.; CCFW, Inc.; 

Carpenter Fund Management, LLC; Carpenter Community Bancfund-A, L.P.; 

Carpenter Community Bancfund, L.P.; and Carpenter Community Bancfund CA, 

L.P. -- to become bank holding companies and to acquire shares of Mission 

Community Bancorp, San Luis Obispo, and its subsidiary bank, Mission Community 

Bank, and for SCJ and CCFW to engage in leasing, financial and investment 

advisory, securities agency and brokerage, and management consulting activities.

San Francisco

- Approved, November 3, 2008

First Chester County Corporation, West Chester, Pennsylvania -- waiver of 

application to acquire American Home Bank, National Association, Mountville, in 

connection with the merger of American Home Bank and First Chester's subsidiary 

bank, First National Bank of Chester County, West Chester.

Philadelphia

- Granted, November 7, 2008

First Community Financial Partners, Inc., Joliet, Illinois -- to acquire shares of First 

Community Bank of Homer Glen & Lockport (in organization), Homer Glen.

Chicago

- Approved, November 6, 2008

H.2 Actions under delegated authority November 2, 2008 to November 8, 2008

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

First National Bankers Bankshares, Inc., Baton Rouge, Louisiana -- to merge with 

Arkansas Bankers Bancorporation, Inc., Little Rock, Arkansas, and thereby acquire 

its subsidiary bank, Arkansas Bankers Bank.

Atlanta

- Approved, November 3, 2008

Marshall & Ilsley Corporation, Milwaukee, Wisconsin -- to acquire Taplin, Canida & 

Habacht, Inc., Miami, Florida, and retain its interest in TCH MI LLC, Milwaukee, 

Wisconsin, and thereby engage in financial and investment advisory and securities 

brokerage activities.

Secretary

- Approved, November 6, 2008

NHB Holdings, Inc., Jacksonville, Florida, and Proficio Mortgage Ventures, LLC -- 

to engage de novo in a joint venture with Home Avenue Mortgage, Clearwater, in 

mortgage banking. 

San Francisco

- Approved, November 7, 2008

Oregon Bancorp, Inc., Salem, Oregon -- to become a bank holding company and to 

acquire Willamette Valley Bank, Salem, and election to become a financial holding 

company.

San Francisco

- Approved, November 5, 2008

Riverview Financial Corporation (in organization), Halifax, Pennsylvania -- to 

acquire First Perry Bancorp, Inc., Marysville, and HNB Bancorp, Inc., Halifax. 

Philadelphia

- Approved, November 5, 2008

H.2 Actions under delegated authority November 2, 2008 to November 8, 2008

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

Royal Bank of Canada, Montreal, Canada -- to indirectly acquire Humboldt 

Merchant Services, LP, Reno, Nevada, through Moneris Solutions Corporation, 

Toronto, Canada, and thereby engage in lending, activities related to extending 

credit, and data processing.

Richmond

- Approved, November 3, 2008

Bank Mergers

Banco Popular de Puerto Rico, Hato Rey, Puerto Rico -- to purchase certain assets 

and assume certain liabilities of the Culebra, Puerto Rico, branch of Banco Popular, 

National Association, Orlando, Florida.

Secretary

- Approved, November 7, 2008

Linden State Bank, Linden, Indiana -- to merge with Farmers State Bank, New Ross, 

and thereby establish four branches.

Chicago

- Approved, November 7, 2008

Shore Bank, Onley, Virginia -- to acquire certain assets and assume certain liabilities 

of the Salisbury, Maryland, branch of Chevy Chase Bank, FSB, McLean, Virginia.

Richmond

- Approved, November 3, 2008

H.2 Actions under delegated authority November 2, 2008 to November 8, 2008

(A/C) = Addition or Correction Delegated - 4 of 5
Banks, Foreign

Banco Espirito Santo de Investimento, S.A., Lisbon, Portugal -- to establish a branch 

in New York, New York.

Director, BS&R

- Approved, November 5, 2008

Change In Bank Control

Liberty Bancorporation, Inc., Powers Lake, North Dakota -- change in bank control 

of Liberty and its subsidiary bank, Liberty State Bank, Powers Lake. 

Minneapolis

- Permitted, November 6, 2008

Extensions Of Time

Post Oak Bancshares, Inc., Houston, Texas -- extension to February 7, 2009, to 

become a bank holding company and to acquire Post Oak Bank, N.A., Houston.

Dallas

- Granted, November 7, 2008

H.2 Actions under delegated authority November 2, 2008 to November 8, 2008

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

Federal Reserve Bank of Boston

Filings received during the week ending November 8, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

State Street Bank and Trust Company, Boston, 

Massachusetts - Request for exemption from 

the aggregate investment limits of the Board of 

Governors of the Federal Reserve System's 

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 November 8, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Banco Popular North America, New York, New 11/14/2008

York, to open a branch located at 1 East Erie 

Street, Chicago (Cook County), Illinois.

BANCO POPULAR NORTH 

AMERICA

Newspaper:

Federal Register:

* 4c8 11/21/2008

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:

* 3A3 Not available

12/04/2008

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 8, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Cornerstone Financial Corporation, Mount 

Laurel, NJ, to form a bank holding company by 

acquiring Cornerstone Bank, Mount Laurel, NJ.

CORNERSTONE FINANCIAL 

CORPORATION

* 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 8, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5 12/02/2008

Application by The PNC Financial Services 

Group, Inc., Pittsburgh, Pennsylvania, to 

acquire National City Corporation, Cleveland, 

Ohio

PNC FINANCIAL SERVICES 

GROUP, INC., THE

* 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 8, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 12/03/2008

12/05/2008

CapitalSource Inc., CapitalSource Finance LLC, 

and CapitalSource TRS Inc., all located in Chevy 

Chase, Maryland, to become bank holding 

companies through the acquisition of 100% of 

the voting securities of CapitalSource Bank, Los 

Angeles, California.

CAPITALSOURCE INC.

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Hampton Roads Bankshares, Inc., Norfolk, 

Virginia, to acquire 100% of the voting 

securities of Gateway Financial Holdings, Inc., 

Virginia Beach, Virginia, and thereby indirectly 

acquire Gateway Bank and Trust Co., Elizabeth 

City, North Carolina.

HAMPTON ROADS 

BANKSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

John Marshall Bank, Falls Church, Virginia, 11/14/2008

proposes to establish a branch at 2300 Wilson 

Boulevard, Arlington, Virginia.

JOHN MARSHALL 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

 2736442 BAY CMNTY BK, NEWPORT NEWS, VIRGINIA 06/16/2008 10/08/2008 S Small Bank

 804422 FARMERS & MRCH BK OF CRAIG CTY, NEW CASTLE, VIRGINIA 06/02/2008 09/02/2008 O Small Bank

 2718345 MONARCH BK, CHESAPEAKE, VIRGINIA 05/05/2008 10/02/2008 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending November 8, 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:

* 3A3

Not available

BancTenn Corp., Kingsport Tennessee, to 12/11/2008

acquire up to 20 percent of the voting shares of 

Paragon Commercial Corporation, and its 

subsidiary, Paragon Commercial Bank, both of 

Raleigh, North Carolina.

BANCTENN CORP.

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 11/18/2008

branch located at 8170 Stonewall Shops Square, 

Gainesville, Virginia, to be known as the 

Stonewall 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

 3597592 FOOTHILLS B&T, MARYVILLE, TENNESSEE 07/14/2008 10/27/2008 S Small Bank

 1160732 SUN AMER BK, BOCA RATON, FLORIDA 02/11/2008 09/21/2008 S Int Sm 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 November 8, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 11/21/2008

11/21/2008

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 11/06/2008

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

12/04/2008

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 12/04/2008

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:

CIC 11/10/2008

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

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Paramount Bank, Farmington Hills, Michigan, to 

merge with Paramount Bank, Las Vegas, 

Nevada, and thereby to establish a branch at 

7795 West Sahara Avenue, 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.

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

Federal Reserve Bank of Chicago

Filings received during the week ending November 8, 2008

Filer Filing Type Filing Proposal End of Comment Period

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.

* 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

 457547 CENTRUE BK, STREATOR, ILLINOIS 05/05/2008 10/24/2008 S Large Bank

 312244 FIRST BK OF BERNE, BERNE, INDIANA 06/16/2008 10/10/2008 S Int Sm 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 November 8, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

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

establish a branch at the corner of 91st Street 

and Delaware Avenue, Tulsa, Oklahoma.

ARVEST BANK

Newspaper:

Federal Register:

CIC 11/26/2008

11/24/2008

Notice by First National Bank of Sparta Profit 

Sharing Plan (the "Plan"), David Hauskins, 

Roger Deterding, and Mary Lou Bauer, each as 

Trustees of the Plan, together with David 

Hauskins, Sparta, Illinois, Mary Hauskins, 

Sparta, Illinois, The Roger L. Deterding 

Declaration of Trust, Roger L. Deterding as 

Trustee, Sparta, Illinois, The Nancy K. 

Deterding Declaration of Trust, Nancy K. 

Deterding as Trustee, Sparta, Illinois, and Mary 

Lou Bauer, Red Bud, Illinois, to gain control of 

First Bancorp of Sparta, Ltd., Sparta, Illinois.

FIRST BANCORP OF SPARTA, 

LTD.

Newspaper:

Federal Register:

* 3A3 12/05/2008

12/05/2008

Mt. Sterling Bancorp, Inc., Mt. Sterling, Illinois, 

to acquire 100 percent of the outstanding 

common stock of Timewell State Bank, Timewell, 

Illinois.

MOUNT STERLING BANCORP, 

INC

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 638047 LAWRENCEBURG BK&TC, LAWRENCEBURG, KENTUCKY 07/28/2008 10/23/2008 S Small Bank

 753548 SCOTT COUNTY ST BK, SCOTTSBURG, INDIANA 07/21/2008 10/23/2008 S Small Bank

 420457 SOUTHERN COMMERCIAL BK, SAINT LOUIS, MISSOURI 07/14/2008 10/15/2008 O Int Sm Bank

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 8, 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.

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control Notice by the Claire L. 

Erickson Irrevocable Trust For The Benefit Of 

Kristi Erickson Kampmeyer and Descendants, 

the Claire L. Erickson Irrevocable Trust For The 

Benefit Of David B. Erickson and Descendants, 

and Gary Vander Vorst, as an individual and as 

co-trustee of the trusts, all of Hudson, 

Wisconsin, and Kristi Erickson Kampmeyer, 

Sunfish Lake, Minnsota, as an individual and as 

co-trustee and beneficiary of the Claire L. 

Erickson Irrevocable Trust For The Benefit Of 

Kristi Erickson Kampmeyer and Descendants, 

which collectively are part of a group acting in 

concert with David Erickson, Hudson, 

Wisconsin, to gain and/or retain control of 

Freedom Bancorporation, Inc., Lindstrom, 

Minnesota, and thereby indirectly gain and/or 

retain control of Lake Area Bank, Lindstrom, 

Minnesota.

FREEDOM BANCORPORATION, 

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control Notice by the Claire L. 

Erickson Irrevocable Trust II For The Benefit Of 

Kristi Erickson Kampmeyer and Descendants, 

the Claire L. Erickson Irrevocable Trust For The 

Benefit Of Marilyn J. Kron and Descendants, 

and Gary Vander Vorst as an individual and as 

co-trustee of the trusts, all of Hudson, 

Wisconsin, which collectively are part of a 

group acting in concert with Kristi Erickson 

Kampmeyer, Sunfish Lake, Minnesota, and 

Marilyn J. Kron, Hudson, Wisconsin, to gain 

control of Waseca Bancshares, Inc., Waseca, 

Minnesota, and thereby indirectly gain control 

of Roundbank, Waseca, Minnesota.

WASECA BANCSHARES, 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

 680457 YELLOWSTONE BK, LAUREL, MONTANA 06/09/2008 10/21/2008 S Int Sm 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 November 8, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 11/24/2008

11/24/2008

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

100 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

 311050 AMERICAN HERITAGE BK, SAPULPA, OKLAHOMA 07/07/2008 10/09/2008 S Int Sm Bank

 2317672 FIRST AMERICAN ST BK, GREENWOOD VILLAGE, COLORADO 08/04/2008 10/21/2008 S Small Bank

 723756 PEOPLES BK, COLDWATER, KANSAS 06/23/2008 10/01/2008 S Small Bank

 738255 TOWN & COUNTRY BK, RAVENNA, NEBRASKA 06/30/2008 10/02/2008 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 November 8, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Dallas, Texas, to establish 2 11/09/2008

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:

* 3A1 11/29/2008

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.

HEBBRONVILLE REGIONAL 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 Not available

12/04/2008

Independent Bank Group, Inc., McKinney, 

Texas, to acquire by merger 100 percent of 

Independent Bank Group Central Texas, Inc., 

McKinney, 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

11/20/2008

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 8, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Not available

Carpenter Fund Manager GP, LLC, Carpenter 12/06/2008

Fund Management, LLC, Carpenter Community 

Bancfund, L.P., Carpenter Community 

Bancfund-A,L.P., Carpenter Community 

Bancfund-CA, L.P., CCFW, Inc., and SCJ, Inc., 

all of Irvine, California, to acquire up to 37 

percent of Manhattan Bancorp, and thereby its 

subsidiary, Bank of Manhattan, N.A., both of El 

Segundo, California.

CARPENTER COMMUNITY 

BANCFUND, L.P.

Newspaper:

Federal Register:

* 3A1 Not available

Member

4c8

Not available

Marlin Business Services Corp., Mount Laurel, 

New Jersey, to: 1) become a bank holding 

company by acquiring 100 percent of Marlin 

Business Bank, Salt Lake City, Utah, pursuant 

to section 3(a)(1) of the Bank Holding Company 

Act; 2) Marlin Business Services Corp. to 

engage in equipment leasing services pursuant 

to section 225.28(b)(3) of Regulation Y and 4(c)

(8) of the Bank Holding Company Act; and 3) 

Marlin Business Bank become a member of the 

Federal Reserve System.

Marlin Business Services Corp.

* 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

 3454613 ALTA ALLI BK, OAKLAND, CALIFORNIA 07/21/2008 10/16/2008 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act