Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 18 

Week Ending May 3, 2008

Board of Governors of the Federal Reserve System, Washington, DC 20551
Bank Branches, Domestic

Rolling Hills Bank & Trust, Atlantic, Iowa -- to establish a branch at 502 Broad 

Street, Adair.

- Approved, May 1, 2008

Discount Rates

Discount and Advance Rates -- decrease in the primary credit rate from 2-1/2 percent 

to 2-1/4 percent by the Federal Reserve Banks of New York, Cleveland, Atlanta, and 

San Francisco.

- Approved, April 30, 2008

Discount and Advance Rates -- decrease in the primary credit rate from 2-1/2 percent 

to 2-1/4 percent by the Federal Reserve Banks of Chicago, St. Louis, and Kansas 

City.

- Approved, April 30, 2008

Discount and Advance Rates -- decrease in the primary credit rate from 2-1/2 percent 

to 2-1/4 percent by the Federal Reserve Banks of Boston, Philadelphia, Richmond, 

Minneapolis, and Dallas.

- Approved, May 1, 2008

Regulations And Policies

Credit Card Accounts and Overdraft Services -- publication for comment of 

amendments to Regulations AA, DD, and Z to prohibit unfair or deceptive acts or 

practices in connection with these accounts and services (Docket Nos. R-1314, 

R-1315, and R-1286).

- Approved, May 2, 2008

H.2 Board Actions April 27, 2008 to May 3, 2008

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

Privacy Act -- publication for comment of amendments to the Board's Privacy Act 

regulation to conform it with current recordkeeping and disclosure practices (Docket 

No. R-1313).

- Approved, April 24, 2008

(A/C)

Privacy Act Systems of Records -- notice of amendments to create two systems of 

records, to delete two unused systems, and to update routine uses of information in 

systems of records (Docket No. OP-1312).

- Approved, April 24, 2008

(A/C)

Enforcement

First Bank of Snook, Snook, Texas -- written agreement with the Federal Reserve 

Bank of Dallas and the State of Texas Department of Banking.

- Announced, May 1, 2008

WSB Financial Group, Inc., Bremerton, Washington -- written agreement with the 

Federal Reserve Bank of San Francisco.

- Announced, April 29, 2008

H.2 Board Actions April 27, 2008 to May 3, 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 Operational and Payment System

IF International Finance

OSDM Office of Staff Director for Management

April 27, 2008 to May 3, 2008

Bank Branches, Domestic

PlainsCapital Bank, Lubbock, Texas -- to establish a branch at 4002 16th Street, 

Lubbock.

Dallas

- Approved, April 28, 2008

The Farmers Citizens Bank, Bucyrus, Ohio -- to establish a branch in the Planktown 

Country Market, 1921 Free Road, Shiloh.

Cleveland

- Approved, May 2, 2008

Bank Holding Companies

Buena Vista Bancorp, Inc., Chester, Illinois -- waiver of application to merge with 

BW Bancshares, Inc., Warrensburg, in connection with the merger of their 

subsidiaries, Bank of Warrensburg, Warrensburg, and Buena Vista National Bank, 

Chester.

St. Louis

- Granted, May 2, 2008

Duroc Investment Company, Table Rock, Nebraska -- to acquire Community 

Insurance Group, Inc., Table Rock, and thereby engage in insurance activities.

Kansas City

- Approved, April 30, 2008

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

First Cecilian Bancorp, Inc., Cecilia, Kentucky -- to retain and increase its ownership 

of Hambac, Inc., Hodgenville, and thereby acquire Lincoln National Bank of 

Hodgenville.

St. Louis

- Approved, May 1, 2008

First Financial Bancshares, Inc., Lawrence, Kansas -- to acquire Great American 

Bank, De Soto.

Kansas City

- Withdrawn, April 30, 2008

Greensburg Bancshares, Inc., Greensburg, Louisiana -- to become a bank holding 

company and to acquire Bank of Greensburg, Greensburg.

Atlanta

- Approved, April 30, 2008

Lonoke Bancshares, Inc., Lonoke, Arkansas -- to acquire additional shares of First 

Southern Bank, Batesville.

St. Louis

- Approved, May 1, 2008

Minier Financial, Inc. Employee Stock Ownership Plan w/401(k) Provisions, Minier, 

Illinois -- to increase its ownership of Minier Financial, Inc., Minier, and thereby 

increase its indirect ownership of First Farmers State Bank.

Chicago

- Approved, April 28, 2008

H.2 Actions under delegated authority April 27, 2008 to May 3, 2008

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

NRBC Holding Corporation, Chicago, Illinois -- to become a bank holding company 

and to acquire The National Republic Bank of Chicago, Chicago.

Chicago

- Approved, May 1, 2008

Plains Acquisition Corporation, Kingwood, Texas -- to become a bank holding 

company and to acquire Plains State Financial Corporation, Plains; Plains 

Bancshares, Inc., Dover, Delaware; and Plains State Bank, Plains, Texas.

Dallas

- Approved, May 1, 2008

Triad Bancorp, Inc., Frontenac, Missouri -- to become a bank holding company and 

to acquire Triad Bank, Frontenac.

St. Louis

- Approved, April 28, 2008

U.S. Bancorp, Minneapolis, Minnesota, and U.S. Bank National Association, 

Cincinnati, Ohio -- waiver of application to acquire Mellon 1st Business Bank, 

National Association, Los Angeles, California, in connection with its merger with 

U.S. Bank National Association, Cincinnati, Ohio.

Minneapolis

- Granted, April 28, 2008

Bank Mergers

Second Bank & Trust, Fredericksburg, Virginia -- to merge with First National Bank, 

Christiansburg, and Planters Bank & Trust Company of Virginia, Staunton.

Richmond

- Approved, May 1, 2008

H.2 Actions under delegated authority April 27, 2008 to May 3, 2008

(A/C) = Addition or Correction Delegated - 3 of 5
Banks, State Member

Allied Bank, Mulberry, Arkansas -- to establish a financial subsidiary, The Mortgage 

Bank of Arkansas, Inc., Little Rock, and thereby provide mortgage services and 

engage in title insurance activities.

St. Louis

- Approved, April 29, 2008

Change In Bank Control

Duroc Investment Company, Table Rock, Nebraska -- change in bank control of 

Company and its subsidiary bank, State Bank of Table Rock, Table Rock.

Kansas City

- Permitted, April 30, 2008

First Missouri Bancshares, Inc., Brookfield, Missouri -- change in bank control of 

Bancshares, and its subsidiary bank, First Missouri National Bank, Brookfield.

Kansas City

- Permitted, May 1, 2008

Harvard Bancshares, Inc., Harvard, Illinois -- to retain control of Bancshares and its 

subsidiary bank, Harvard State Bank, Harvard.

Chicago

- Permitted, May 1, 2008

Republic Financial Corporation, Wichita, Kansas -- change in bank control of 

Corporation and its subsidiary bank, Southwest National Bank, Wichita.

Kansas City

- Permitted, April 30, 2008

H.2 Actions under delegated authority April 27, 2008 to May 3, 2008

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

First National Bank Group, Inc., Edinburg, Texas -- extension to August 4, 2008, to 

acquire shares of Southside Bancshares, Inc., Tyler, and thereby acquire Southside 

Delaware Financial Corporation, Dover, Delaware, and Southside Bank, Tyler, 

Texas.

Dallas

- Granted, May 1, 2008

Membership

Bank of Fall River, A Co-operative Bank, Fall River, Massachusetts -- to become a 

member of the Federal Reserve System.

Boston

- Approved, May 2, 2008

Chelsea-Provident Co-operative Bank, Chelsea, Massachusetts -- to become a 

member of the Federal Reserve System.

Boston

- Approved, May 2, 2008

Regulations And Policies

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

2-1/4 percent to 2 percent.

FOMC

- Approved, April 30, 2008

H.2 Actions under delegated authority April 27, 2008 to May 3, 2008

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

Federal Reserve Bank of Boston

Filings received during the week ending May 3, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 05/22/2008

Application by ESB Bancorp, MHC and ESB 

Bancorp, Inc., both of Easthampton, 

Massachusetts, to become a mutual bank 

holding company and stock bank holding 

company, respectively, by acquiring 

Easthampton Savings Bank, Easthampton, 

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

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

of 1956, as amended.

ESB BANCORP MHC

Newspaper:

Federal Register:

* 3A1

* 3A3

05/03/2008

05/05/2008

Application by Green Valley Bancorp, MHC, 

and Green Valley Bancorp, Inc, both of 

Southbridge, Massachusetts, to become a 

mutual bank holding company and stock bank 

holding company, respectively, by acquiring 

Southbridge Savings Bank, Southbridge, 

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

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

of 1956, as amended.

GREEN VALLEY BANCORP, MHC

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Greenfield Bancorp, MHC, Greenfield, 

Massachusetts to acquire 100% of the capital 

stock of Greenfield Co-operative Bank, 

Greenfield, Massachusetts pursuant to section 

3(a)(1) of the BHC Act in connection with the 

reorganization of Greenfield Bancorp, MHC, 

Greenfield, Massachusetts, from mutual to stock 

form.

Greenfield Bancorp MHC

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Medway Co-operative Bank, Medway, 

Massachusetts - application to establish a new 

branch office at 2 South Maple Street, 

Bellingham, Massachusetts

MEDWAY CO-OPERATIVE 

BANK

* 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 May 3, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

The Bank of New York, New York, New York 

("BNY"), to establish a Belgian-chartered bank 

as a subsidiary of BNY, pursuant to Section 

211.9(f) of Regulation K.

BANK OF NEW YORK, 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 May 3, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1

* 18C Not applicable

Landmark Bancorp, Inc., Pittston,PA, to become 05/28/2008

a bank holding company by acquiring Landmark 

Community Bank, Pittston, PA.

LANDMARK BANCORP INC

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 May 3, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notices of Change in Bank Control 

filed by:

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

authority granted by proxy from Mark Dunlap 

over 58.25 shares or 55.48% of the outstanding 

voting shares of New Richmond 

Bancorporation, New Richmond, OH;

(2.) Samad Yaltaghian, Rusden, Northants, 

England, to acquire 46.75 shares or 45.52 

percent of the outstanding voting shares of 

New Richmond Bancorporation, New Richmond, 

OH;

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

Yaltaghian, Rusden, Northants, England, in 

concert resulting from a proxy to vote 46.75 

shares or 45.52 percent of the outstanding 

voting shares of New Richmond 

Bancorporation, New Richmond, OH granted to 

Jay L. Dunlap by Samad Yaltaghian.

NEW RICHMOND 

BANCORPORATION

Newspaper:

Federal Register:

* 3A3

* 18C

* Branch

05/23/2008

05/23/2008

Whitaker Bank Corporation of Kentucky, 

Lexington, KY to acquire State Financial 

Services, Inc.,Harrodsburg, KY pursuant to 

section 3 of the BHC Act AND State Bank & 

Trust, Harrodsburg, KY to merge with and into 

Whitaker Bank, Inc., Lexington, KY pursuant to 

Section 18(c) of the FDIC Act.

WHITAKER BANK 

CORPORATION OF KENTUCKY

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 2730477 WESTERN RESERVE BK, MEDINA, OHIO 01/14/2008 04/04/2008 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending May 3, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of the James, Lynchburg, Virginia, 05/10/2008

proposes to establish a branch at 1405 Ole 

Dominion Boulevard, Bedford, Virginia.

BANK OF THE JAMES

* 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 May 3, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Caixa de Aforros de Vigo, Ourense e 

Pontevedra, Vigo, Spain, to establish 

international bank branches in New York, New 

York, Chicago, Illinois, Los Angeles, California, 

and Houston, Texas.

CAIXA DE AFORROS DE VIGO, 

OURENSE E PONTEVEDRA

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Commercial Bancgroup, Inc., along with 05/30/2008

Robertson Holding Company, L.P., both of 

Harrogate, Tennessee, requests a waiver of 

application in connection with its merger with 

Union National Bancorp of Barbourville, Inc., 

and its subsidiary, Union National Bank & Trust 

Company of Barbourville, Barbourville, 

Kentucky. In addition, Commercial Bank, 

Harrogate, Tennessse, proposes to merge with 

Union National Bank & Trust Company, 

Barbourville, Kentucky.

COMMERCIAL BANCGROUP, 

INC.

Newspaper:

Federal Register:

* 3A1 05/23/2008

05/27/2008

Verity Capital Group, Inc., Dahlonega, Georgia, 

to become a bank holding company through the 

acquisition of 100 percent of the outstanding 

shares of Verity Bank, Winder, Georgia (in 

organization).

VERITY CAPITAL GROUP INC.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 230535 BANKEAST, KNOXVILLE, TENNESSEE 10/15/2007 02/03/2008 S Small Bank

 2616076 RIVERSIDE BK OF THE GULF COAST, CAPE CORAL, FLORIDA 12/03/2007 04/03/2008 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 May 3, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

05/30/2008

First State Bancorporation, Inc., Milan, Illinois, 

to become a bank holding company by 

acquiring 100 percent of the voting shares of 

Lamoine Bancorp, Inc., La Harpe, Illinois, and 

thereby indirectly acquire First State Bank of 

Western Illinois, La Harpe, Illinois.

FIRST STATE 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A3 Not available

05/30/2008

First State Bancorporation, Inc., Milan, Illinois, 

to acquire 100 percent of the voting shares of 

State Bank of Colusa, Colusa, Illinois.

FIRST STATE 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A3 Not available

06/02/2008

IBT Bancorp, Inc., Mt. Pleasant, Michigan, to 

retain more than 5 percent of the voting shares 

of Valley Financial Group, Ltd., Saginaw, 

Michigan, and thereby indirectly retain 1st State 

Bank, Saginaw, Michigan.

IBT BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

05/22/2008

Lake Shore Wisconsin Corporation, Sheboygan, 

Wisconsin, to become a bank holding company 

by acquiring 100 percent of the voting shares of 

Lake Shore Bank (in organization), Sheboygan, 

Wisconsin.

LAKE SHORE WISCONSIN 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

05/26/2008

Liberty Financial Services, Inc., Sioux City, 

Iowa, to acquire 100 percent of Valley Bank 

N.A., Elk Point, South Dakota.

LIBERTY FINANCIAL SERVICES, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

05/02/2008

Northstar Financial Group, Inc., Bad Axe, 

Michigan, to acquire 100 percent of the voting 

shares of Grand Haven Bank, Grand Haven, 

Michigan, Kent Commerce Bank, Kentwood, 

Michigan, Muskegon Commerce Bank, 

Muskegon, Michigan, and Paragon Bank & 

Trust, Holland, Michigan.

NORTHSTAR FINANCIAL 

GROUP, INC.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 May 3, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 05/27/2008

05/26/2008

Central Bancompany, Inc., Jefferson City, 

Missouri, to acquire 100 percent of Holden 

Bankshares, Inc., Holden, Missouri, and thereby 

indirectly acquire Bank of Holden, Holden, 

Missouri.

CENTRAL BANCOMPANY

Newspaper:

Federal Register:

* 3A3 06/02/2008

06/02/2008

Central Bancompany, Inc., Jefferson City, 

Missouri, to acquire 100 percent of Guaranty 

Bancshares, Inc., Strafford, Missouri, and 

thereby indirectly acquire The Greene County 

Bank, Strafford, Missouri.

CENTRAL BANCOMPANY

* 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 May 3, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Hatton Bancshares, Inc., Hatton, North Dakota, 

to acquire 100 percent of Mahnomen 

Bancshares, Inc., Mahnomen, Minnesota, and 

thereby indirectly acquire First National Bank in 

Mahnomen, Mahnomen, Minnesota.

HATTON BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

05/15/2008

Hazen Bancorporation, Inc., Hazen, North 

Dakota, to acquire additional shares of the 

outstanding stock of North Star Holding 

Company, Inc., Jamestown, North Dakota, to 

increase its ownership to 19.20%, and thereby 

indirectly acquire Unison Bank, Jamestown, 

North Dakota and Unison Bank, Mesa, Arizona, 

a de novo bank.

HAZEN BANCORPORATION, 

INC.

Newspaper:

Federal Register:

CIC Not available

05/19/2008

Notice by JCLL 2007 Irrevocable Trust B, JCLL 

2007 Irrevocable Trust T, and James A. McLean, 

as Trustee of the trusts, all of Bozeman, 

Montana; Plotinus Trust, Ennis, Montana, and 

Peter T. Combs, Alamos, Sonora, Mexico, as an 

individual and as Trustee of the trust; and by C. 

Bruce Combs, Bozeman, Montana; Timothy 

Combs, Ennis, Montana; and Virginia B. Combs, 

Alamos, Sonora, Mexico, as individuals, which 

collectively are part of a group acting in concert, 

to retain and acquire control of Jackass Creek 

Land & Livestock Company, Ennis, Montana, 

and thereby indirectly retain and acquire control 

of the First Madison Valley Bank, Ennis, 

Montana, and the First Boulder Valley Bank, 

Boulder, Montana.

JACKASS CREEK LAND & 

LIVESTOCK COMPANY

Newspaper:

Federal Register:

* 3A3 Not available

05/15/2008

McIntosh County Bank Holding Company, Inc., 

Ashley, North Dakota, to acquire additional 

shares of the outstanding stock of North Star 

Holding Company,Inc., Jamestown, North 

Dakota, to maintain its 33.33% ownership, and 

thereby indirectly acquire Unison Bank, 

Jamestown, North Dakota and Unison Bank, 

Mesa, Arizona, a de novo bank.

MCINTOSH COUNTY BANK 

HOLDING COMPANY, INC.

Newspaper:

Federal Register:

* 3A3 Not available

05/15/2008

North Star Holding Company, Inc., Jamestown, 

North Dakota, to acquire 100% of Unison Bank, 

Mesa, Arizona, a de novo bank.

NORTH STAR HOLDING 

COMPANY, INC.

Newspaper:

Federal Register:

* 3A3 Not available

05/15/2008

Wishek Bancorporation, Inc., Wishek, North 

Dakota, through its 28.26% ownership of North 

Star Holding Company, Inc., Jamestown, North 

Dakota, to acquire indirect control of Unison 

Bank, Mesa, Arizona, a de novo bank.

WISHEK BANCORPORATION, 

INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 697455 RIDGEDALE ST BK, MINNETONKA, MINNESOTA 01/07/2008 04/23/2008 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending May 3, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

First State Bank, Lincoln, Nebraska, to establish 05/15/2008

a branch at 108 West Third Street, Firth, 

Nebraska.

FIRST STATE BANK

* 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

 12058 BANK OF HOLDEN, HOLDEN, MISSOURI 01/14/2008 04/15/2008 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 May 3, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/16/2008

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

Groesbeck, Texas, to acquire an interest in 

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

indirectly acquire Incommons Bank, N.A., 

Mexia, Texas.

BI-STONE BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

05/16/2008

Notice by Brad Butler and Denise Butler, 

Wortham, Texas, to acquire an interest in 

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

indirectly acquire Incommons Bank, N.A., 

Mexia, Texas.

BI-STONE BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

The Haskell Bancshares, Inc. Employee Stock 

Ownership Plan, Haskell, Texas, Robert Howard, 

Abilene, Texas, Dan R. Griffith, Haskell, 

Texas,and Andrew Gannaway, Haskell, Texas, 

acting as Trustees, to retain ownership and 

control of Haskell Bancshares, Inc., Haskell, 

Texas, and indirectly its subsidiary, Haskell 

National Bank, Haskell, Texas.

HASKELL BANCSHARES, INC.

Newspaper:

Federal Register:

4c8 Not applicable

05/19/2008

Live Oak Bancshares Corporation, George 

West, Texas, to engage in title insurance 

activities pursuant to Section 225.28(b)(11)(iii)

(A) of Regulation Y; real estate settlement 

servicing pursuant to Section 225.28(b)(2)(viii) 

of Regulation Y; and real estate title abstracting 

services pursuant to Board Order 1995 FRB 805, 

as a result of its proposed 75.5 percent 

investment in Forehand Title Management LLC, 

George West, Texas.

LIVE OAK BANCSHARES 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Mr. Kelly O. Dunn, Scottsdale, 

Arizona, and Mr. Larry Lee Sheffield, Phoenix, 

Arizona, et al, acting in concert, to acquire 

control of New Mexico First Financial, Inc., Las 

Cruces, New Mexico, and indirectly acquire 

Mesilla Valley Bank, Las Cruces, New Mexico.

NEW MEXICO FIRST 

FINANCIAL, INC.

Newspaper:

Federal Register:

CIC 04/09/2008

04/22/2008

Notices by Ms. Laura Lankford, West, Texas; 

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

Ms. Sarah Lou Bracken, Waco, Texas, to 

acquire 37.04 percent; 27.93 percent; and 26.33 

percent, respectively, of West Bancshares, Inc., 

West, Texas, and indirectly acquire Pointwest 

Bank, West, Texas.

WEST BANCSHARES, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending May 3, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Hawaii, Honolulu, Hawaii, to establish a 05/08/2008

branch office at 2155 Kalakaua Avenue, Suite 

318, Honolulu, Hawaii.

BANK OF HAWAII

Newspaper:

Federal Register:

* 3A1 Not available

05/26/2008

Gateway Pacific Bancorp to become a bank 

holding company by acquiring 100 percent of 

Gateway Pacific Bank (In Organization), both of 

National City, California.

GATEWAY PACIFIC BANCORP

Newspaper:

Federal Register:

* 3A1 05/22/2008

05/22/2008

La Jolla Pacific Bancorp to become a bank 

holding company by acquiring 100 percent of 

Home Bank of California, both of San Diego, 

California.

LA JOLLA PACIFIC BANCORP

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act