Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 4 

Week Ending January 24, 2009

Board of Governors of the Federal Reserve System, Washington, DC 20551
Bank Holding Companies

BB&T Corporation, Winston-Salem, North Carolina, and Branch Banking and Trust 

Company -- request for an exemption from section 23A of the Federal Reserve Act 

and Regulation W to allow Branch Banking and Trust Company's securities affiliate, 

Scott & Stringfellow, Inc., Richmond, Virginia, to hold and receive payments on 

certain instruments that are backed by a liquidity facility provided by the bank and to 

allow the bank to purchase these instruments from the securities affiliate.

- Granted, January 8, 2009

(A/C)

Banks, State Member

The Northern Trust Company, Chicago, Illinois -- request for an exemption from 

section 23A of the Federal Reserve Act and Regulation W to purchase auction-rate 

securities from its parent company, Northern Trust Corporation, Chicago.

- Granted, January 9, 2009

(A/C)

Regulations and Policies

Homeownership Preservation Policy -- establishment of a policy under the 

Emergency Economic Stabilization Act to require that, in the event of default of a 

discount window loan collateralized by residential mortgage assets, the Federal 

Reserve Banks take actions to prevent avoidable foreclosures in connection with such 

assets through sustainable loan modifications and other actions that are consistent 

with the Federal Reserve's obligation to maximize the net present value of the assets 

for the benefit of taxpayers, and voluntary application of the policy to the residential 

mortgage assets held by Maiden Lane LLC; Maiden Lane II, LLC; and Maiden Lane 

III, LLC.

- Approved, January 23, 2009

Enforcement

First Company, Cody, Wyoming -- written agreement with the Federal Reserve Bank 

of Kansas City.

- Announced, January 21, 2009

H.2 Board Actions January 18, 2009 to January 24, 2009

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

January 18, 2009 to January 24, 2009

Bank Branches, Domestic

PlainsCapital Bank, Lubbock, Texas -- to establish a branch at 325 North St. Paul 

Street, Dallas.

Dallas

- Approved, January 23, 2009

Bank Holding Companies

Citigroup Inc., New York, New York -- to acquire five insured depository institution 

subsidiaries of Wachovia Corporation, Charlotte, North Carolina: Wachovia Bank, 

National Association; 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, and thereby operate a savings association.

New York

- Withdrawn, January 22, 2009

Glenwood Bancorporation, Glenwood, Iowa -- to acquire Tabor Enterprises, Inc., 

Tabor, and thereby acquire First State Bank.

Chicago

- Approved, January 22, 2009

Midland States Bancorp, Inc., Effingham, Illinois -- to acquire through merger 

Waterloo Bancshares, Inc., Waterloo, and thereby acquire Commercial State Bank of 

Waterloo, and for Midland States Bank, Effingham, to merge with Commercial State 

Bank of Waterloo, Waterloo, and thereby establish branches.

St. Louis

- Approved, January 23, 2009

(A/C) = Addition or Correction Delegated - 1 of 3
Bank Holding Companies

New York Private Bank & Trust Corporation, New York, New York, Emigrant 

Bancorp, Inc., and Emigrant Bank -- to acquire DollarSavingsDirect.com (in 

formation), Ossining.

New York

- Approved, January 21, 2009

Bank Mergers

1st Bank, Evanston, Wyoming -- to merge with First National Bank of Morgan, 

Morgan, Utah, and thereby establish branches.

Minneapolis

- Approved, January 23, 2009

Centennial Bank, Conway, Arkansas -- to merge with Community Bank, Cabot, and 

thereby establish branches and acquire its financial subsidiaries, Grand Prairie Title 

Company, Inc.; Community Insurance Agency, Inc., Jacksonville; and First State 

Insurance Agency, Inc., Conway.

St. Louis

- Approved, January 21, 2009

Extensions of Time

Charter Bancshares, Inc., Corpus Christi, Texas, and Charter IBHC, Inc., 

Wilmington, Delaware -- extension to March 15, 2009, to acquire shares of Charter 

Alliance Bank, a de novo bank, Corpus Christi.

Dallas

- Granted, January 23, 2009

H.2 Actions under delegated authority January 18, 2009 to January 24, 2009

(A/C) = Addition or Correction Delegated - 2 of 3
Extensions of Time

City First Enterprises, Inc., Washington, D.C. -- extension to April 22, 2009, to 

engage in lending and community development activities.

Richmond

- Granted, January 22, 2009

International Operations

American Express Bank Limited, New York, New York -- to amend its articles of 

association to change its name to Standard Chartered International (USA) Limited, 

New York.

New York

- Withdrawn, January 20, 2009

H.2 Actions under delegated authority January 18, 2009 to January 24, 2009

(A/C) = Addition or Correction Delegated - 3 of 3
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending January 24, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5 02/20/2009

Application by Independent Bank Corp., 

Rockland, MA to merge with Benjamin Franklin 

Bancorp, Inc.,and thereby acquire its subsidiary 

bank Benjamin Franklin Bank, both of Franklin, 

MA pursuant to sections 3(a)(3)/3(a)(5) of the 

BHC Act.

INDEPENDENT BANK CORP.

Newspaper:

Federal Register:

* 3A1 02/16/2009

02/16/2009

Application by NewStar Financial, Inc., Boston, 

Massachusetts to become a bank holding 

company through the acquisition of 100% of the 

outstanding common stock of Southern 

Commerce Bank, National Association, Tampa, 

Florida, pursuant to section 3(a)(1) of the Bank 

Holding Company Act of 1956, as amended.

NEWSTAR FINANCIAL, 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 January 24, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bank of Nova Scotia, Toronto, Canada, to 

establish an agency in Miami, Florida, pursuant 

to Section 5(a)(3) of the International Banking 

Act and Section 211.24(a)(2)(i)(A) of Regulation 

K.

BANK OF NOVA SCOTIA, THE

Newspaper:

Federal Register:

* 3A3

* 3A5

* 18C

Not available

Allied Irish Banks, p.l.c., Dublin, Ireland, M&T 01/20/2009

Bank Corporation ("M&T"), and M&T's 

newly-formed subsidiary, First Empire State 

Holding Company ("First Empire"), both of 

Buffalo, New York, request prior approval of the 

Board of Governors of the Federal Reserve 

System (the "Board") to acquire Provident 

Bankshares Corporation ("Provident"), 

Baltimore, Maryland, and to merge Provident 

with and into First Empire and thereby to 

acquire Provident's wholly owned bank, 

Provident Bank of Maryland, ("Provident 

Bank"), Baltimore, Maryland pursuant to 

Sections 3(a)(3) and 3(a)(5) of the Bank Holding 

Company Act of 1956 , as amended (the "BHC 

Act") and Section 225.15 of the Board's 

Regulation Y. Additionally, M&T requests 

prior approval to merge Provident Bank, with 

and into its subsidiary bank, Manufacturers and 

Traders Trust Company ("M&T Bank"), 

Buffalo, New York pursuant to Section 18(c) of 

the Federal Deposit Insurance Act, and to retain 

the current branch locations of Provident Bank 

pursuant to Section 9 of the Federal Reserve 

Act.

M&T BANK CORPORATION

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Madison National Bancorp, Inc. to become a 

one-bank holding company by acquiring 100 

percent of Madison National Bank, both of 

Hauppauge, New York, pursuant to Section 3(a)

(C) of the BHC Act of 1956, as amended, and 

Section 225.17 of Regulation Y.

Madison National Bancorp, Inc.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Max Bancorp, LLC, New York, New York, to 

become a one-bank holding company by 

acquiring majority of the voting shares of 

Allegiance Community Bank, South Orange, 

New Jersey, pursuant to Section 3(a)(1) of BHC 

Act and Section 225.15 of Regulation Y.

Max Bancorp, LLC

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Standard Chartered Bank, London, United 

Kingdom to establish a representative office in 

Houston, Texas.

STANDARD CHARTERED BANK

* 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 January 24, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending January 24, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 January 24, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 January 24, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/30/2009

After-the-fact change in control notice filed by 

Marshall Truman Reynolds and Douglas 

Vernon Reynolds, both of Huntington, West 

Virginia, Samuel George Kapourales, 

Williamson, West Virginia, and Todd R. Fry, 

Barboursville, West Virginia, to collectively 

retain 6.64 percent of the outstanding shares of 

American Gateway Financial Corporation, Port 

Allen, Louisiana, and its subsidiary, American 

Gateway Bank, Baton Rouge, Louisiana. Total 

pro forma ownership is 16.57 percent.

AMERICAN GATEWAY 

FINANCIAL CORPORATION

Newspaper:

Federal Register:

CIC 02/03/2009

02/09/2009

Prior change in control notice filed by David 

Weir Wood, II, Laura Halsey Wood, John 

Halsey Wood, David Weir Wood, III, Sidney 

Wood Clapp, Katherine Wood Hamilton, all of 

Birmingham, Alabama, and Susan Wood Soule, 

Pensacola, Florida, to collectively acquire 5.03 

percent of the outstanding shares of common 

stock of Capital South Bancorp, and its 

subsidiary CapitalSouth Bank, both of 

Birmingham, Alabama. Total pro forma 

ownership will equal 14.83.

CAPITALSOUTH BANCORP

Newspaper:

Federal Register:

CIC 02/03/2009

02/09/2009

Prior change in control notice filed by Harold B. 

Dunn, Birmingham, Alabama, Harold Crockett 

Dunn,Salinas, California, and Rebecca Dunn 

Bryant, Fairhope, Alabama, to collectively 

acquire 1.77 percent of the outstanding shares 

of CapitalSouth Bancorp, and its subsidiary, 

CapitalSouth Bank, both of Birmingham, 

Alabama. Total pro forma ownership will equal 

11.53 percent.

CAPITALSOUTH BANCORP

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 01/29/2009

branch located at 3330 Forum Boulevard, Fort 

Myers, Florida, to be known as the The Forum 

Office.

SUNTRUST BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending January 24, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 02/09/2009

02/02/2009

City State Bancorporation, Inc., Central City, 

Iowa, to become a bank holding company by 

acquiring 51.3 percent of MSB Corporation, 

Central City, Iowa, and thereby indirectly 

control City State Bank, Central City, Iowa.

CITY STATE 

BANCORPORATION, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

12-day Notice - Indiana Bank Corp., Dana, 

Indiana, proposes to engage de novo in 

extending credit and servicing loans.

INDIANA BANK CORP.

* 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 January 24, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 January 24, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 02/15/2009

02/09/2009

Eastwood Financial Corporation Employee 

Profit Sharing and Stock Ownership Plan, 

Rochester, Minnesota, to become a bank 

holding company by increasing its ownership of 

Eastwood Financial Corporation, Rochester, 

Minnesota, to 27 percent and thereby indirectly 

acquire Eastwood Bank, Kasson, Minnesota.

EASTWOOD FINANCIAL 

CORPORATION EMPLOYEE 

PROFIT SHARING AND STOCK 

OWNERSHIP PLAN

Newspaper:

Federal Register:

* 3A1 Not available

02/20/2009

Lake Shore Wisconsin Corporation, Sheboygan, 

Wisconsin, to become a bank holding company 

by acquiring 100 percent of Hiawatha 

Bancshares, Inc., Hager City, Wisconsin, and 

thereby indirectly acquire Hiawatha National 

Bank, Hager City, Wisconsin.

LAKE SHORE WISCONSIN 

CORPORATION

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending January 24, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/09/2009

Notice by Matthew A. Michaelis, New York, 

New York, and Amy L. Madsen, Wichita, 

Kansas, as proposed co-trustees of the M. D. 

Michaelis Trust F, the Paula Sue Michaelis 

Trust F, the Matthew Michaelis Trust F, the 

Amy Loflin Trust F, and the Laura Haunschild 

Trust F, all dated October 27, 2003, Wichita, 

Kansas, to acquire control of Emprise Financial 

Corporation, parent of Emprise Bank, both in 

Wichita, Kansas, through the acquisition of 

voting shares.

EMPRISE FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 01/15/2009

02/20/2009

Manhattan Banking Corporation, Manhattan, 

Kansas, to retain 5.380973 percent of the voting 

shares of Sonoran Bank, National Association, 

Phoenix, Arizona.

MANHATTAN BANKING 

CORPORATION

Newspaper:

Federal Register:

* 3A3 01/15/2009

02/20/2009

Manhattan Banking Corporation, Manhattan, 

Kansas, to retain 5.122296 percent of the voting 

shares of BOTS, Inc., parent of Vision Bank, 

both in Topeka, Kansas.

MANHATTAN BANKING 

CORPORATION

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending January 24, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 January 24, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Alliance Bank of Arizona, Phoenix, Arizona,to 

become a member of the Federal Reserve 

System.

ALLIANCE BANK OF ARIZONA

Newspaper:

Federal Register:

* Branch

Not applicable

Nara Bank, Los Angeles, California, to establish 02/05/2009

a branch office at 1741-A Route 27, Edison, New 

Jersey.

NARA BANK

Newspaper:

Federal Register:

CIC Not available

02/04/2009

Notice by Dorothy Margaret Daly, Oak Brook, 

Illinois, individually and as executor of the 

estate of Denis J. Daly, Sr., or trustee of various 

trusts, to retain 45.6 percent of Trans Pacific 

Bancorp, Inc., and indirectly its subsidiary, 

Trans Pacific National Bank, both of San 

Francisco, California.

TRANS 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