Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 50 

Week Ending December 15, 2007

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

Consumer Complaints -- statement by Sandra F. Braunstein, Director, Division of 

Consumer and Community Affairs, on the Financial Consumer Hotline Act of 2007 

before the Subcommittee on Financial Institutions and Consumer Credit, House 

Committee on Financial Services.

- Published, December 12, 2007

Advisory Councils

Thrift Institutions Advisory Council -- appointment of seven new members and 

designation of F. Weller Meyer as president and Kerry Killinger as vice president for 

2008.

- Announced, December 13, 2007

Board Operations

Board -- budget for 2008-2009.

- Approved, December 12, 2007

Office of Inspector General -- budget for 2008-2009.

- Approved, December 14, 2007

Discount Rates

Discount and Advance Rates -- decrease in the primary credit rate from 5 percent to 

4-3/4 percent by the Federal Reserve Banks of New York, Philadelphia, Cleveland, 

Richmond, Atlanta, Chicago, and St. Louis.

- Approved, December 11, 2007

H.2 Board Actions December 9, 2007 to December 15, 2007

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

Discount and Advance Rates -- decrease in the primary credit rate from 5 percent to 

4-3/4 percent by the Federal Reserve Banks of Boston, Minneapolis, Dallas, and San 

Francisco.

- Approved, December 12, 2007

Discount and Advance Rates -- decrease in the primary credit rate from 5 percent to 

4-3/4 percent by the Federal Reserve Bank of Kansas City.

- Approved, December 13, 2007

Regulations And Policies

Regulation A (Extensions of Credit by Federal Reserve Banks) -- amendments to 

establish a temporary credit facility (Term Auction Facility or TAF) for depository 

institutions to obtain advances from Reserve Banks that are secured by a wide variety 

of collateral and at interest rates that are determined by auctions.

- Approved, December 12, 2007

H.2 Board Actions December 9, 2007 to December 15, 2007

(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 Operational and Payment System

IF International Finance

OSDM Office of Staff Director for Management

December 9, 2007 to December 15, 2007

Bank Branches, Domestic

American Security Bank, Santa Ana, California -- to establish a branch at 1401 Dove 

Street, Newport Beach.

San Francisco

- Approved, December 12, 2007

Compass Bank, Birmingham, Alabama -- to establish branches at 3490 Salida Street, 

Aurora, Colorado; 4501 Camp Bowie Boulevard, Fort Worth, Texas; the intersection 

of Briar Forest Drive and Eldridge Road, Houston; 170 University Boulevard, Round 

Rock; and 631 Southwest Military Drive, San Antonio.

Atlanta

- Approved, December 12, 2007

Foothills Bank & Trust, Maryville, Tennessee -- to establish a branch at 214 Keller 

Lane.

Atlanta

- Approved, December 11, 2007

Gateway Bank & Trust Co., Elizabeth City, North Carolina -- to establish a branch at 

204 Albemarle Square, Charlottesville, Virginia.

Richmond

- Approved, December 10, 2007

Southwest Bank, Fort Worth, Texas -- to establish a branch at 2718 South Hulen 

Street.

Dallas

- Approved, December 12, 2007

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

First Central Nebraska Co., Broken Bow, Nebraska -- to merge with WoodRiver 

Banco, Incorporated, Oconto, and thereby acquire The Farmers Bank.

Kansas City

- Withdrawn, December 10, 2007

ISB Financial Corp., Iowa City, Iowa -- to merge with MidWestOne Financial 

Group, Inc., Oskaloosa, and thereby acquire MidWestOne Bank.

Chicago

- Approved, December 14, 2007

Metro Bancshares, Inc., Douglasville, Georgia -- to become a bank holding company 

and to acquire Metro Bank (in organization).

Atlanta

- Approved, December 10, 2007

Midwest Bancshares, Inc., Wellston, Ohio -- to become a bank holding company and 

to acquire The First National Bank of Wellston.

Cleveland

- Approved, December 13, 2007

Russellville Bancorp, Inc., Russellville, Missouri -- to become a bank holding 

company and to acquire Community Bank of Russellville.

St. Louis

- Approved, December 14, 2007

ServisFirst Bancshares, Inc., Birmingham, Alabama -- relief from a commitment.

Atlanta

- Withdrawn, December 10, 2007

H.2 Actions under delegated authority December 9, 2007 to December 15, 2007

(A/C) = Addition or Correction Delegated - 2 of 5
Change In Bank Control

Alliance Bancshares, Inc., Dalton, Georgia -- change in bank control of Bancshares 

and its subsidiary bank, Alliance National Bank.

Atlanta

- Permitted, December 13, 2007

Extensions Of Time

Amboy Bancorporation Employee Stock Ownership Plan, Old Bridge, New Jersey -- 

extension to March 28, 2008, to become a bank holding company and to acquire 

shares of Amboy Bancorporation.

New York

- Granted, December 11, 2007

FBOP Corporation, Oak Park, Illinois -- extension to March 11, 2008, to acquire 

shares of Banner Corporation, Walla Walla, Washington, and thereby acquire Banner 

Bank and Islanders Bank, Friday Harbor.

Chicago

- Granted, December 12, 2007

FBOP Corporation, Oak Park, Illinois -- extension to April 5, 2008, to acquire shares 

of BankFinancial Corporation, Burr Ridge, and thereby acquire BankFinancial 

F.S.B., Olympia Fields.

Chicago

- Granted, December 12, 2007

FBOP Corporation, Oak Park, Illinois -- extension to April 5, 2008, to acquire shares 

of CFS Bancorp, Inc., Munster, Indiana, and thereby acquire Citizens Financial 

Bank, a savings bank.

Chicago

- Granted, December 12, 2007

H.2 Actions under delegated authority December 9, 2007 to December 15, 2007

(A/C) = Addition or Correction Delegated - 3 of 5
Extensions Of Time

FBOP Corporation, Oak Park, Illinois -- extension to April 5, 2008, to acquire shares 

of PFF Bancorp, Inc., Rancho Cucamonga, California, and thereby acquire PFF Bank 

& Trust, Pomona, a savings bank.

Chicago

- Granted, December 12, 2007

FBOP Corporation, Oak Park, Illinois -- extension to April 5, 2008, to acquire shares 

of Provident Financial Holdings, Inc., Riverside, California, and thereby acquire 

Provident Savings Bank, F.S.B.

Chicago

- Granted, December 12, 2007

Fifth Third Bank, Cincinnati, Ohio -- extension to January 31, 2008, to establish a 

branch at 1614 Washington Road, Upper St. Clair, Pennsylvania.

Cleveland

- Granted, December 14, 2007

First Boaz Bancorporation, Boaz, Alabama -- extension to March 19, 2008, to 

acquire First Bank Mortgage Services, Inc. and thereby engage de novo in making, 

acquiring, brokering, or servicing loans or other extensions of credit.

Atlanta

- Granted, December 14, 2007

Financial Holding Companies 

Farmers Bancorp Inc., Blytheville, Arkansas -- election to become a financial holding 

company.

St. Louis

- Effective, December 10, 2007

H.2 Actions under delegated authority December 9, 2007 to December 15, 2007

(A/C) = Addition or Correction Delegated - 4 of 5
Financial Holding Companies 

Park National Corporation, Newark, Ohio -- election to become a financial holding 

company.

Secretary

- Effective, December 11, 2007

Peoples Bancshares, Inc., Colorado Springs, Colorado -- election to become a 

financial holding company.

Kansas City

- Effective, December 13, 2007

Regulations And Policies

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

4-1/2 percent to 4-1/4 percent.

FOMC

- Approved, December 11, 2007

H.2 Actions under delegated authority December 9, 2007 to December 15, 2007

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

Federal Reserve Bank of Boston

Filings received during the week ending December 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Boston Private Financial Holdings, Inc., Boston, 

Massachusetts to acquire an 80.1% indirect 

interest in Davidson Trust Company, Devon, 

Pennsylvania, pursuant to section 4(c)(8) of the 

BHC Act and to sections 225.23, 225.28(b)(5) 

and 225.28(b)(6) of Regulation Y.

BOSTON PRIVATE FINANCIAL 

HOLDINGS, INC.

* 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 December 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Amboy Bank, Old Bridge, New Jersey, to 

become a member of the Federal Reserve 

System.

AMBOY NATIONAL BANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco Espirito Santo de Investimento, S.A., 

Lisbon, Portugal, to establish a branch in New 

York, New York, pursuant to Section 7(d) of the 

International Banking Act.

BANCO ESPIRITO SANTO DE 

INVESTIMENTO, S.A.

Newspaper:

Federal Register:

* Branch

Not applicable

Five Star Bank, Warsaw, New York to establish 12/24/2007

two branch offices located at (i) 2833 Ridge 

Road West and (ii) 745 Calkins Road, both of 

Rochester, New York.

FIVE STAR BANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

KfW IPEX Bank GmbH, Frankfurt, Germany,(

in-formation)to establish a representative office 

in New York, New York, pursuant to Section 

10(a) of the International Banking Act of 1978, 

as amended, and Section 211.24(a)(1) of 

Regulation K.

KFW IPEX - BANK GMBH

Newspaper:

Federal Register:

* 3A3

* 3A1

01/05/2008

01/03/2008

Toronto-Dominion Bank, Toronto, Canada, and 

its subsidiaries TD US P&C Holdings ULC, 

Calgary, Canada, Cardinal Top Co. and Cardinal 

Intermediate Co., both of New York, New York, 

to acquire 100% of the voting shares of 

Commerce Bancorp, Inc. ("Commerce 

Bancorp"), Cherry Hill, New Jersey, and 

indirectly acquire control of Commerce Bank, 

NA, Philadelphia, Pennsylvania and Commerce 

Bank/North, Ramsey, New Jersey, and to 

acquire Commerce Bancorp's 14.82% interest in 

Pennsylvania Commerce Bancorp, Inc., which 

controls Commerce Bank/Harrisburg, N.A., both 

of Harrisburg, Pennsylvania, pursuant to 

Sections 3(a)(3) and 3(a)(1) of the Bank Holding 

Company Act of 1956, as amended (the 

"BHCA").

TORONTO-DOMINION BANK, 

THE

* 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 December 15, 2007

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

 551315 WILMINGTON TR OF PA, VILLANOVA, PENNSYLVANIA 05/07/2007 12/07/2007 O Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending December 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 12/16/2007

a branch at 199 North University Drive, 

Pembroke Pines, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 12/15/2007

a branch at 2402 Surfside Boulevard, Cape 

Coral, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 12/15/2007

a branch at Southwest Corner Highway 192 and 

County Road 545, Kissimmee, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 12/15/2007

a branch at 28151 State Road 56, Wesley 

Chapel, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 12/15/2007

a branch at Southeast corner of Moore Road 

and Maguire Road (State Route 439), Ocoee, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 12/15/2007

branch at 27700 Chardon Road, Willoughby 

Hills, OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 12/18/2007

branch at 2998 Cunningham Drive, Cincinnati, 

OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* 3A5 Not available

01/04/2008

Milton Bancorp, Inc., Wellston, Ohio, to acquire 

100 percent of Community First Financial 

Bancorp, Inc., New Holland, Ohio, and thereby 

acquire The First National Bank of New Holland, 

New Holland, Ohio

MILTON 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

 846619 CORTLAND SVG & BKG CO, CORTLAND, OHIO 09/10/2007 12/03/2007 S Int Sm Bank

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 December 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

The Bank of Marion, Marion, Virginia, to 

increase its investment in bank premises.

BANK OF MARION, THE

Newspaper:

Federal Register:

* Branch

Not applicable

First Capital Bank, Glen Allen, Virginia, 12/28/2007

proposes to establish a branch at 2810 Buford 

Road, Richmond, Virginia.

FIRST CAPITAL BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Four Oaks Bank & Trust Company, Four Oaks, 12/23/2007

North Carolina, proposes to establish a branch 

at 604A Erwin Road, Dunn, North Carolina.

FOUR OAKS BANK & TRUST 

COMPANY

Newspaper:

Federal Register:

* 3A3 12/28/2007

12/28/2007

RBC Centura Banks, Inc., Raleigh, North 

Carolina, and its parent companies, Royal Bank 

of Canada, Montreal, Canada; Royal Bank 

Holding Inc., Toronto, Canada; RBC Holding 

(USA) Inc., New York, New York; RBC USA 

Holdco Corporation, New York, New York; 

Prism Financial Corporation, Wilmington, 

Delaware, to acquire 100% of the voting shares 

of Alabama National BanCorporation, 

Birmingham, Alabama, and thereby indirectly 

acquire Alabama Exchange Bank, Tuskegee, 

Alabama; Community Bank of Naples, National 

Association, Naples, Florida; Cypress Conquina 

Bank, Ormond Beach, Florida; First American 

Bank, Birmingham, Alabama; First Gulf Bank, 

National Association, Pensacola, Florida; 

Florida Choice Bank, Mount Dora, Florida; 

Georgia State Bank, Mableton, Georgia; Indian 

River National Bank, Vero Beach, Florida; 

Millennium Bank, Gainsville, Florida; and The 

Peachtree Bank, Duluth, Georgia.

RBC CENTURA BANKS, INC.

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 December 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 12/31/2007

01/02/2008

Prior change in control notice filed by Donald V. 

Watkins, Miami Beach, Florida, and Donald V. 

Watkins, Jr., Birmingham, Alabama, for 

permission for Donald V. Watkins, Jr., to acquire 

2.09 percent of the outstanding shares of 

Alamerica BancCorp, Inc., and its subsidiary, 

Alamerica Bank, both of Birmingham, Alabama. 

Pro forma total ownership of Donald V. 

Watkins, Jr., together with Donald V. Watkins 

will be 51.80 percent.

ALAMERICA BANCCORP, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Bank of North Florida, Jacksonville, Florida, to 

establish a branch located at 1432 1st Street, 

Sarasota, Florida, to be designated as the main 

office.

BANK OF NORTH FLORIDA

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Caixa de Aforros de Vigo, Ourense e 

Pontevedra, Vigo, Spain, to establish 

international bank branches in New York, New 

York, Chicago, Illinois, Los Angeles, California, 

and Houston, Texas.

CAIXA DE AFORROS DE VIGO, 

OURENSE E PONTEVEDRA

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Compass Bank, Birmingham, Alabama, to merge 

with: The Laredo National Bank, Laredo, Texas: 

State National Bank, Fort Worth, Texas: and 

Texas State Bank, McAllen, Texas.

COMPASS BANK

Newspaper:

Federal Register:

* 3A3 01/07/2008

01/07/2008

Floridian Financial Group, Inc., Daytona Beach, 

Florida, to acquire 100 percent of the common 

stock of Orange Bank of Florida, Orlando, 

Florida.

FLORIDIAN FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

* 3A1

Not available

Franklin Bancshares, Inc., to become a bank 01/13/2008

holding company by acquiring 100 percent of 

the outstanding shares of Bank of Franklin, 

both of Meadville, Mississippi.

Franklin Bancshares, Inc.

Newspaper:

Federal Register:

* 3A3 01/12/2008

01/11/2008

Independent Bancshares, Inc. Employee Stock 

Ownership Plan, Red Bay, Alabama, to acquire 

26.12 percent of the outstanding shares of 

Independent Bancshares, Inc., and its 

subsidiaries, Community Spirit Bank, both of 

Red Bay, Alabama, and Spirit Bancshares, Inc., 

and Spirit Bank, both of Belmont, Mississippi.

INDEPENDENT BANCSHARES, 

INC. EMPLOYEE STOCK 

OWNERSHIP PLAN

Newspaper:

Federal Register:

* 3A1 12/24/2007

12/26/2007

Metropolitan BancGroup, Inc., Ridgeland, 

Mississippi, to become a bank holding company 

by acquiring 100 percent of the outstanding 

shares of BancSouth Financial Corporation, and 

thereby acquire its subsidiary, Bank of the 

South, both of Crystal Springs, Mississippi.

METROPOLITAN BANCGROUP, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

01/04/2008

Summerville/Trion Bancshares, Inc., 

Summerville, Georgia, to acquire 100 percent of 

the outstanding shares of Dunnellon State 

Bank, Dunnellon, Florida.

SUMMERVILLE/TRION 

BANCSHARES, INC.

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

Federal Reserve Bank of Atlanta

Filings received during the week ending December 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 12/21/2007

branch located at 9920 Poplar Tent Road, 

Concord, North Carolina, to be known as the 

Cannon Crossroads Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 12/27/2007

branches at the following locations: 2615 E 

Highway 50, Clermont, Florida, to be known as 

the East Clermont Office; 12610 US Highway 19, 

Hudson, Florida, to be known as the Beacon 

Woods Wal-Mart Office; and 4929 Main Street, 

Spring Hill, Tennessee, to be known as the 

Spring Hill Village Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* 3A5 Not available

01/15/2007

SunTrust Banks, Inc., Atlanta, Georgia, to merge 

with GB&T Bancshares, Inc., Gainesville, 

Georgia, and thereby acquire its subsidiaries, 

Gainesville Bank & Trust, Gainesville, Georgia; 

Mountain State Bank, Dawsonville, Georgia; 

First National Bank of Gwinnett, Duluth, 

Georgia; First National Bank of the South, 

Milledgeville, Georgia; Home Town Bank of 

Villa Rica, Villa Rica, Georgia; Community Trust 

Bank, Hiram, Georgia; and United Bank & Trust 

Company, Rockmart, Georgia.

SUNTRUST BANKS, 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

 861434 ALIANT BK, ALEXANDER CITY, ALABAMA 08/13/2007 11/29/2007 S Large Bank

 237936 PEOPLES B&TC, SELMA, ALABAMA 07/16/2007 11/05/2007 O Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending December 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

1st Source Bank, South Bend, Indiana, to merge 

with First National Bank of Valparaiso, 

Valparaiso, Indiana, and thereby to establish 17 

branches.

1ST SOURCE BANK

Newspaper:

Federal Register:

* 3A1 12/20/2007

01/07/2008

Black River BancVenture, Inc., Memphis, 

Tennessee, to become a bank holding company 

by acquiring 42 percent of the voting shares of 

Michigan Community Bancorp, Ltd., Sterling 

Heights, Michigan, and thereby indirectly 

acquire Lakeside Community Bank, Sterling 

Heights, Michigan.

BLACK RIVER BANCVENTURE, 

INC.

Newspaper:

Federal Register:

* 3A3 12/19/2007

01/07/2008

Black River BancVenture, Inc., Memphis, 

Tennessee, to acquire 15 percent of the voting 

shares of Community Shores Bank Corp., 

Muskegon, Michigan, and thereby indirectly 

acquire Community Shores Bank, Muskegon, 

Michigan.

BLACK RIVER BANCVENTURE, 

INC.

Newspaper:

Federal Register:

* 3A3 12/26/2007

01/07/2008

Black River BancVenture, Inc., Memphis, 

Tennessee, to acquire 15 percent of the voting 

shares of Allegiance Bank of North America, 

Bala Cynwyd, Pennsylvania.

BLACK RIVER BANCVENTURE, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

01/07/2008

Black River BancVenture, Inc., Memphis, 

Tennessee, to acquire 15 percent of the voting 

shares of Bay Commercial Bank, Walnut Creek, 

California.

BLACK RIVER BANCVENTURE, 

INC.

Newspaper:

Federal Register:

* 4c8 Not available

01/07/2008

Black River BancVenture, Inc., Memphis, 

Tennessee, to acquire 6 percent of the voting 

shares of SFB Bancorp, Inc., Elizabethton, 

Tennessee, and thereby indirectly acquire 

Security Federal Bank, Elizabethton, Tennessee, 

and thereby operate a savings association.

BLACK RIVER BANCVENTURE, 

INC.

Newspaper:

Federal Register:

* 4c8 Not available

01/07/2008

Black River BancVenture, Inc., Memphis, 

Tennessee, to acquire 9.9 percent of the voting 

shares of Quaint Oak Bancorp, Southampton, 

Pennsylvania, and thereby indirectly acquire 

Quaint Oak Savings Bank, Southampton, 

Pennsylvania, and thereby operate a savings 

association.

BLACK RIVER BANCVENTURE, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

01/07/2008

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VII, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Colonia Bank (in organization), 

Phoenix, Arizona.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3 Not available

01/07/2008

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VII, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Reidsville Community Bank (in 

organization), Reidsville, North Carolina.

CAPITOL BANCORP LTD.

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

Federal Reserve Bank of Chicago

Filings received during the week ending December 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

01/07/2008

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VII, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Pisgah Community Bank (in 

organization), Asheville, North Carolina.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 Not available

01/11/2008

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 24.9 percent of the voting shares of PFF 

Bancorp, Inc., Rancho Cucamonga, California, 

and thereby indirectly acquire PFF Bank and 

Trust, Pomona, California.

FBOP CORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 

Wisconsin, to merge with First Indiana Bank, 

National Association, Indianapolis, Indiana, and 

thereby to establish 32 branches.

M&I MARSHALL & ILSLEY 

BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Warren Bank, Warren, Michigan, to establish a 

branch to be located at 55055 Shelby Road, 

Shelby Township, Macomb County, Michigan.

WARREN BANK

* 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

 299644 BANK IA, DENISON, IOWA 08/27/2007 12/03/2007 S Small Bank

 2333298 FIRST B&T, EVANSTON, ILLINOIS 06/25/2007 11/26/2007 S Large Bank

 447342 FIRST ST BK BOURBON IN, BOURBON, INDIANA 08/27/2007 11/29/2007 S Small Bank

 952846 IOWA ST BK, WAPELLO, IOWA 07/23/2007 12/03/2007 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending December 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 01/11/2008

01/11/2008

Carroll Financial Services, Inc., Huntingdon, 

Tennessee, to acquire 100 percent of Bradford 

Bancshares, Inc., Bradford, Tennessee, and 

thereby indirectly acquire The Bank of Bradford, 

Bradford, Tennessee.

CARROLL FINANCIAL 

SERVICES, INC.

Newspaper:

Federal Register:

* 3A3 01/14/2008

01/11/2008

First Banks, Inc., St. Louis, Missouri, to acquire 

an additional 1.21 percent, for total direct and 

indirect control of 24.99 percent, of Community 

West Bancshares, Goleta, California, and 

thereby indirectly acquire Community West 

Bank, National Association, Goleta, California.

FIRST BANKS, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First Financial Bank, El Dorado, Arkansas, to 12/24/2007

establish a branch facility to be located at 2300 

East Main Street, El Dorado, Arkansas.

FIRST FINANCIAL BANK

Newspaper:

Federal Register:

* 3A1 Not available

01/14/2008

South Central Bancorp, Inc., Kinmundy, Illinois, 

to become a bank holding company by 

acquiring 100 percent of The First National Bank 

of Kinmundy, Kinmundy, Illinois.

South Central 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

 2577739 BANK OF JACKSON, JACKSON, TENNESSEE 08/13/2007 11/15/2007 S Small 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 December 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 12/18/2007

12/28/2007

Highland Bancshares, Saint Michael, 

Minnesota, to acquire 100 percent of Ridgedale 

State Bank, Minnetonka, Minnesota.

HIGHLAND BANCSHARES, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

NATCOM Bancshares, Inc., Superior, 

Wisconsin, proposes to engage in lending 

activities, primarily purchasing loan 

participations from its subsidiary bank, National 

Bank of Commerce, Superior, Wisconsin.

NATCOM 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

 65559 PIONEER B&TC, BELLE FOURCHE, SOUTH DAKOTA 08/20/2007 12/10/2007 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 December 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 01/12/2008

01/11/2008

Central Financial Corporation, Hutchinson, 

Kansas, to retain its 6.04 percent ownership of 

Valley Capital Bank, N.A., Mesa, Arizona.

CENTRAL FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

12/14/2007

Notice by Jose L. Evans and Denise K. Evans, 

both of Kansas City, Missouri, (acting jointly) 

and David L. Johnson and Sandra L. Castetter, 

both of Kansas City, Missouri, (acting jointly), 

and together acting in concert, to acquire 

control of First Missouri Bancshares, Inc., 

parent of First Missouri National Bank, both in 

Brookfield, Missouri, through the acquisition of 

voting shares.

FIRST MISSOURI BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

01/02/2008

Notification by Theodore Thieman, Petersburg, 

Nebraska, to retain control of Rae Valley 

Financials, Inc., Petersburg, Nebraska, parent of 

Petersburg State Bank, Petersburg, Nebraska.

RAE VALLEY FINANCIALS, 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

 785259 COMMUNITY BKS OF CO, GREENWOOD VILLAGE, COLORADO 08/13/2007 11/29/2007 S Large Bank

 421155 FIRST ST BK THAYER, THAYER, KANSAS 09/10/2007 12/07/2007 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 December 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

01/07/2008

CSB Financial Corporation, Miles, Texas, to 

become a bank holding company by acquiring 

100 percent of Citizens State Bank, Miles, Texas.

CSB FINANCIAL CORPORATION

Newspaper:

Federal Register:

* 3A3 01/03/2008

01/04/2008

First National Bank Group, Inc., Edinburg, 

Texas, to acquire 9.90 percent of Southside 

Bancshares, Inc., Tyler, Texas, and indirectly 

acquire Southside Delaware Financial 

Corporation, Dover, Delaware, and Southside 

Bank, Tyler, Texas.

FIRST NATIONAL BANK 

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

 723653 WESTERN BK, LORDSBURG, NEW MEXICO 06/18/2007 12/03/2007 O Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending December 15, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Presidio Bank, San Francisco, California, to 12/31/2007

establish a branch facility at 999 Fifth Avenue, 

Suite 300, San Rafael, California.

PRESIDIO BANK

Newspaper:

Federal Register:

* 3A1 Not available

12/20/2007

State Bancorp Northwest to become a bank 

holding company by acquiring 100 percent of 

State Bank Northwest, both of Spokane Valley, 

Washington.

STATE BANCORP NORTHWEST

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Wells Fargo & Company, through a new 

subsidiary of WFC Holdings Corporation, both 

of San Francisco, California, request for 

approval to purchase and sell electricity in the 

spot market and take and make delivery of 

electricity to settle commodity derivatives.

WELLS FARGO & COMPANY

* 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