Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 36 

Week Ending September 6, 2008

Board of Governors of the Federal Reserve System, Washington, DC 20551
Banks, Foreign

China Investment Corporation and Central SAFE Investments Limited, Beijing, 

People's Republic of China -- requests for exemptions from the requirements of the 

Bank Holding Company Act.

- Granted, August 4, 2008

(A/C)

Personnel

Division of Information Technology -- appointment of Glenn S. Eskow as assistant 

director.

- Announced, September 2, 2008

Enforcement

SunTrust Bank, Atlanta, Georgia -- issuance of a consent order of prohibition against 

Roslyn Y. Terry, a former employee and institution-affiliated party.

- Announced, September 4, 2008

H.2 Board Actions August 31, 2008 to September 6, 2008

(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

August 31, 2008 to September 6, 2008

Bank Branches, Domestic

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 2251 North 9th Street, 

Broken Arrow, Oklahoma.

St. Louis

- Approved, September 5, 2008

Bank of the West, El Paso, Texas -- to establish a branch at 425 East Redd Road, El 

Paso.

Secretary

- Approved, September 5, 2008

Citizens Bank, Flint, Michigan -- to establish a branch at 4834 Richmond Road, 

Warrenville Heights, Ohio.

Secretary

- Approved, September 3, 2008

Luzerne Bank, Luzerne, Pennsylvania -- to establish a branch at Routes 118 and 415, 

Dallas.

Philadelphia

- Approved, September 5, 2008

NBRS Financial Bank, Rising Sun, Maryland -- to establish a branch at 20 Craigtown 

Road, Port Deposit.

Richmond

- Approved, September 4, 2008

(A/C) = Addition or Correction Delegated - 1 of 4
Bank Branches, Domestic

PlainsCapital Bank, Lubbock, Texas -- to establish a branch at 12319 North MoPac 

Expressway, Austin.

Dallas

- Approved, September 2, 2008

PlainsCapital Bank, Lubbock, Texas -- to establish a branch at 2323 Victory Avenue, 

Dallas.

Dallas

- Approved, September 3, 2008

RBC Bank (USA), Raleigh, North Carolina -- to establish a branch at 5640 Roswell 

Road Northeast, Atlanta, Georgia.

Richmond

- Approved, September 2, 2008

Tennessee State Bank, Pigeon Forge, Tennessee -- to establish two mobile branches 

to serve Knox, Sevier, Cocke, and Jefferson Counties.

Atlanta

- Approved, September 5, 2008

Bank Holding Companies

BOSP Bancshares, Inc., Sun Prairie, Wisconsin -- to become a bank holding 

company and to acquire Bank of Sun Prairie, Sun Prairie.

Chicago

- Approved, September 5, 2008

H.2 Actions under delegated authority August 31, 2008 to September 6, 2008

(A/C) = Addition or Correction Delegated - 2 of 4
Bank Holding Companies

CSB Bancorp, Inc., Millersburg, Ohio -- to acquire Indian Village Bancorp, Inc., 

Gnadenhutten, and its savings bank subsidiary, Indian Village Community Bank.

Cleveland

- Approved, September 5, 2008

Embassy Bancorp, Inc., Bethlehem, Pennsylvania -- to become a bank holding 

company and to acquire Embassy Bank for the Lehigh Valley, Bethlehem.

Philadelphia

- Approved, September 2, 2008

Isabella Bank Corporation, Mt. Pleasant, Michigan -- to retain shares of Valley 

Financial Group, Ltd., Saginaw, and thereby indirectly retain shares of 1st State 

Bank.

Chicago

- Approved, September 5, 2008

Change In Bank Control

Royal Bancshares of Pennsylvania, Inc., Narberth, Pennsylvania -- change in bank 

control of Royal Bancshares and its subsidiary bank, Royal Bank of Pennsylvania, 

Narberth.

Philadelphia

- Permitted, September 3, 2008

Extensions Of Time

Bank of North Florida, Jacksonville, Florida -- extension to October 18, 2008, to 

establish a branch at 3704 84th Avenue Circle East, Sarasota.

Atlanta

- Granted, September 5, 2008

H.2 Actions under delegated authority August 31, 2008 to September 6, 2008

(A/C) = Addition or Correction Delegated - 3 of 4
Extensions Of Time

Verity Capital Group Inc., Dahlonega, Georgia -- extension to December 3, 2008, to 

become a bank holding company and to acquire Verity Bank (in organization), 

Winder.

Atlanta

- Granted, September 3, 2008

Financial Holding Companies 

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

financial holding company.

Atlanta

- Effective, September 4, 2008

H.2 Actions under delegated authority August 31, 2008 to September 6, 2008

(A/C) = Addition or Correction Delegated - 4 of 4
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending September 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Application by Abington Bank, Abington, 

Massachusetts to become a member of the 

Federal Reserve System pursuant to section 9 of 

the Federal Reserve Act and section 208.3 of 

Regulation H.

ABINGTON BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Medway Co-operative Bank, Medway, 

Massachusetts - application to establish a new 

branch office at One Hastings Street, Mendon, 

Massachusetts.

MEDWAY CO-OPERATIVE 

BANK

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 Not available

Application by SIS Bancorp, MHC and SIS 

Bancorp, Inc., both of Sanford, Maine - to 

become a mutual bank holding company and 

stock bank holding company, respectively, by 

acquiring Sanford Institution for Savings, 

Sanford, Maine, pursuant to sections 3(a)(1) 

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

of 1956, as amended.

SIS BANCORP, MHC

* 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
 JPMORGAN CHASE & CO. Investment JPMorgan Chase & Co., New York, New York, on Newspaper: Not applicable 

 behalf of itself and certain Edge Corporation Federal Register: Not applicable 

 subsidiaries, requests a waiver from the 

 aggregate investment limit in Section 211.9(b)(6) 

 of Regulation K for an investment related to an 

 internal reorganization of several 

 Singapore-based subsidiaries. 

District: 2 

Federal Reserve Bank of New York 

Filings received during the week ending September 11, 2008 

Filer Filing Type Filing Proposal End of Comment Period 

ICICI Bank Limited, Mumbai, India, to establish 

representative offices in San Francisco and Los 

Angeles, California; Atlanta, Georgia; Chicago, 

Illinois; Edison, New Jersey; Houston, Texas and 

Washington D.C., pursuant to Section 

211.24(a)(2)(i)(B)(2) of Regulation K. 

ICICI BANK LIMITED Newspaper:

Federal Register: 

FBSEA Not available

Not applicable

Manufacturers and Traders Trust Company, 

Buffalo, New York, requests to establish branches 

located at (i) 6015 Daybreak Circle, Clarksville, 

Howard County, Maryland and (ii) 50 Jericho 

Quadrangle, Town of Oyster Bay, New York. 

MANUFACTURERS AND 

TRADERS TRUST COMPANY 

Newspaper:

Federal Register: 

* Branch 

Not applicable

09/12/2008

* 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 September 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Luzerne Bank, Luzerne, PA, requests approval 

to increase its investment in bank premises by 

$700,000, which will exceed the 150% threshold 

for investment in bank premises.

LUZERNE BANK

* 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 September 6, 2008

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 September 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/26/2008

FA Capital, LLC, Richmond, Virginia, and 

Community Bank Investors of America, L.P., 

Richmond, Virginia, to acquire up to 58.01% of 

the voting securities of Freedom Bank, 

Bradenton, Florida.

COMMUNITY BANK 

INVESTORS OF AMERICA, LP

Newspaper:

Federal Register:

* Branch

Not applicable

The Fauquier Bank, Warrenton, Virginia, 09/05/2008

proposes to establish a branch at 10250 Bristow 

Center Drive, Bristow, Virginia.

FAUQUIER BANK, THE

* 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 September 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/20/2008

09/16/2008

Prior Change in control notice filed by Paul Ray, 

Max Ray,Carole Ray, and Gina Brumley, all of 

Hackleburg, Alabama, to collectively acquire 

3.20 percent of the outstanding shares of 

Hometown Bancshares, Inc., and its subsidiary 

PeoplesTrust, Bank both of Hamilton, Alabama. 

Pro forma will equal 12.25 percent.

HOMETOWN BANCSHARES, 

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 09/09/2008

establish a branch located at Fern Loop and 

70th Street, Shreveport, Louisiana, to be known 

as the 70th Street Branch.

IBERIABANK

Newspaper:

Federal Register:

* Branch

Not applicable

Orion Bank, Naples, Florida, to establish a 09/15/2008

branch located at 4280 Professional Center 

Way, Palm Beach Gardens, Florida, to be known 

as the PGA Office.

ORION BANK

Newspaper:

Federal Register:

* 3A1 Not available

09/18/2008

Piedmont Bancorp, Inc., Norcross, Georgia, to 

become a bank holding company by acquiring 

100 percent of the outstanding shares of First 

Choice Community Bank 1874, Newnan, 

Georgia.

PIEDMONT BANCORP, 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

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 September 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 

Wisconsin, to establish a branch facility to be 

located at Hwy 36 and Norell, Oak Park Heights, 

Minnesota.

M&I MARSHALL & ILSLEY 

BANK

Newspaper:

Federal Register:

CIC Not available

09/18/2008

Notice by Joseph E. O'Brien, Peoria, Illinois, to 

acquire control of Marshall-Putnam County 

Bancorporation, Inc., Varna, Illinois, and 

thereby indirectly acquire control of Marshall 

County State Bank, Varna, Illinois.

MARSHALL-PUTNAM COUNTY 

BANCORPORATION, INC.

Newspaper:

Federal Register:

CIC Not available

09/22/2008

Notice by a group of investors that includes: 

Harrison I. Steans, Bannockburn, Illinois; 

Jennifer W. Steans, Evanston, Illinois; Financial 

Investments Corporation, Chicago, Illinois; 

PCB, LP, General Partners, Chicago, Illinois; 

Heather A. Steans, Chicago, Illinois; Robin M. 

Steans, Chicago, Illinois; Harrison I. Steans 

Self-Declaration of Revocable Trust - Harrison I. 

Steans, Bannockburn, Illinois, Trustee; Jennifer 

W. Steans 1999 Descendents Trust - James P. 

Kastenholz, Evanston, Illinois, Trustee; Heather 

A. Steans 1999 Descendants Trust - Leo A. 

Smith, Chicago, Illinois, Trustee; Robin M. 

Steans 1999 Descendents Trust - Leonard A. 

Gail, Chicago, Illinois, Trustee; Jennifer W. 

Steans 2000 Trust - Jennifer W. Steans, 

Evanston, Illinois, Trustee; Heather A. Steans 

2001 Trust - Heather A. Steans, Chicago, 

Illinois, Trustee; Robin M. Steans Revocable 

Trust - Robin M. Steans, Chicago, Illinois, 

Trustee; James P. Kastenholz 2000 Trust - James 

P. Kastenholz, Evanston, Illinois, Trustee; 

Leonard A. Gail Revocable Trust - Leonard A. 

Gail, Chicago, Illinois, Trustee; Hunter Family 

Foundation - Thomas B. Hunter, III, Lake 

Forest, Illinois and Maxine M. Hunter, Lake 

Forest, Illinois, Trustees; Maxine M. Hunter 

Charitable Lead Annuity Trust - Thomas B. 

Hunter, IV, Lake Forest, Illinois, and Willard M. 

Hunter, Lake Bluff, Illinois Trustees; Thomas B. 

Hunter, III Self Declaration of Revocable Trust - 

Thomas B. Hunter, III, Lake Forest, Illinois, 

Trustee; Morrison Family Foundation - Harold 

M. Morrison, Lake Forest, Illinois, and Adeline 

S. Morrison, Lake Forest, Illinois, Trustees; 

Harold M. Morrison Trust - Harold M. 

Morrison, Lake Forest, Illinois, Trustee; and 

USAmeriBancorp, Largo, Florida, to acquire 10 

percent or more of the shares of Taylor Capital 

Group, Rosemont, Illinois, and thereby 

indirectly acquire control of Cole Taylor Bank, 

Chicago, Illinois.

TAYLOR CAPITAL GROUP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Tompkins Bancorp, Inc., Avon, Illinois, to 

acquire 100 percent of the voting shares of 

Community Bank of Galesburg, Galesburg, 

Illinois.

TOMPKINS BANCORP, INC.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending September 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/16/2008

09/23/2008

Notice by Donna Joyce Ramsey, individually 

and as trustee of the Richard D. Ramsey 

Revocable Trust, Macon, Missouri, to gain 

control of Community State Bancshares, Inc., 

Shelbina, Missouri.

COMMUNITY STATE 

BANCSHARES, INC

Newspaper:

Federal Register:

CIC 09/16/2008

09/23/2008

Notice by the O'Laughlin Group to gain control 

of Community State Bancshares, Inc., Shelbina, 

Missouri. The O'Laughlin Group consists of 

Frances L. O'Laughlin, Mesa, Arizona; Terrence 

L. O'Laughlin, Fayette, Missouri; Jeffrey B. 

O'Laughlin, Ashland, Missouri; Russell L. 

O'Laughlin, Shelbina, Missouri; and Kelly D. 

Wilt, Shelbina, Missouri.

COMMUNITY STATE 

BANCSHARES, INC

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Farmers Bank and Trust Company, Magnolia, 

Arkansas, to become a member of the Federal 

Reserve System.

FARMERS BANK & TRUST 

COMPANY

Newspaper:

Federal Register:

CIC 09/30/2008

09/24/2008

Notice by The Larry T. Wilson Descendents 

Trust and The Kathryn W. Roberts 

Descendants Trust to join the Wilson Family 

Control Group, all of Jacksonville, Arkansas, 

and thereby gain control First Arkansas 

Bancshares, Inc., Jacksonville, Arkansas, the 

parent company of First Arkansas Bank and 

Trust, Jacksonville, Arkansas.

FIRST ARKANSAS 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 09/30/2008

10/03/2008

Heritage Bancorp, Inc., Mason, Tennessee, to 

directly acquire 2.12 percent, for total direct and 

indirect ownership of 51.77 percent, of Mason 

Bancorp, Inc., Mason, Tennessee, and thereby 

indirectly acquire The Bank of Mason, Mason, 

Tennessee.

HERITAGE 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

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 September 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

First Interstate Bank, Billings, Montana, to 09/09/2008

establish a branch facility to be located at 1600 

11th Avenue, Suite 123, Helena, Montana.

FIRST INTERSTATE BANK

* 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 September 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/18/2008

Notice submitted by the Barbara Dean Flaming 

Trust and Brenda Jean Flaming Salinas, trustee; 

the Brenda Jean Flaming Trust and Barbara 

Dean Flaming Waite, trustee; the Michael Todd 

Flaming Trust and Brenda Jean Flaming Salinas, 

trustee; and the Flaming Children 2008 

Irrevocable Trust and Gerald R. Chelgren, 

trustee; all of Cherokee, Oklahoma, part of a 

group acting in concert, to acquire/retain 

control of Alfalfa County Bancshares, Inc., 

parent of ACB Bank, both in Cherokee, 

Oklahoma.

ALFALFA COUNTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 09/11/2008

09/12/2008

Notice submitted by O. Gene Bicknell, 

Englewood, Florida, as an individual and as part 

of the Bicknell Family Group; Martin C. Bicknell, 

Bucyrus, Kansas, as an individual and as part of 

the Bicknell Family Group; and Cherona L. 

Bicknell, Bucyrus, Kansas, as part of the 

Bicknell Family Group; to retain control of Team 

Financial, Inc., parent of TeamBank, N.A., both 

in Paola, Kansas.

TEAM FINANCIAL, INC.

Newspaper:

Federal Register:

CIC

Not available

Notice submitted by Jeffrey F. Whitham, Garden 09/03/2008

City, Kansas; Stewart A. Whitham, Leoti, 

Kansas; Barth E. Whitham, Morrison, Colorado; 

Jennifer E. Jensik, Fredonia, Kansas; and Clay 

G. Whitham, Lamar, Colorado; individually and 

as co-trustees of various Whitham family trusts, 

and as a group acting in concert, to retain 

control of Whitcorp Financial Company, Leoti, 

Kansas, parent of Western State Bank, Garden 

City, Kansas and First National Bank in Lamar, 

Lamar, Colorado. In addition, Michael Callahan, 

Pueblo, Colorado; Ward Loyd, Garden City, 

Kansas; Diana Tedlock, Wichita, Kansas; and 

Philip Sweeney, Denver, Colorado, to acquire 

control of Whitcorp Financial Company, Leoti, 

Kansas, parent of Western State Bank, Garden 

City, Kansas and First National Bank in Lamar, 

Lamar, Colorado, all as independent trustees of 

various Whitham family trusts as members of 

the same group acting in concert.

WHITCORP FINANCIAL 

COMPANY

Newspaper:

Federal Register:

CIC 09/15/2008

09/09/2008

Notice submitted by Steven J. Buchanan, 

Omaha, Nebraska, as a member of Wilber Co. 

Voting Trust, to retain control of Wilber Co., 

both of Wilber, Nebraska, parent of First State 

Bank, Lincoln, Nebraska.

WILBER CO.

* 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 September 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/11/2008

09/02/2008

Notice by Mr. Michael Scott Anderson, Dallas, 

Texas, to own an interest in FVNB Corp., 

Victoria, Texas, and indirectly acquire First 

Victoria National Bank, Victoria, Texas.

FVNB CORP.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Southwest Bank, Fort Worth, Texas, to 

establish a branch at 3707 Camp Bowie, Fort 

Worth, Texas 76107.

SOUTHWEST BANK

* 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 September 6, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/17/2008

Notice by Murray Pasternack, San Clemente, 

California, to increase his ownership up to 24.9 

percent of Capital Bank, San Juan Capistrano, 

California.

CAPITAL BANK

Newspaper:

Federal Register:

CIC Not available

08/25/2008

Notice by Russell Goldsmith, individually, and 

as part of a family group, including the Bram & 

Elaine Goldsmith Family Trust, the Elaine 

Goldsmith Revocable Trust, the Bruce Leigh 

Goldsmith Revocable Trust, the Goldsmith 

Family Partnership, the Goldsmith Family 

Foundation, and other related family trusts, 

partnerships, and foundations, to retain control 

and to acquire additional shares of City National 

Corporation, and thereby indirectly its 

subsidiary, City National Bank, both of Beverly 

Hills, California.

CITY NATIONAL 

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Pacific State Bank, Stockton, California, to 09/15/2008

establish a branch office at 1547 East March 

Lane, Stockton, California.

PACIFIC STATE BANK

Newspaper:

Federal Register:

* 3A3 09/28/2008

10/03/2008

Wells Fargo & Company, San Francisco, 

California, to acquire 100 percent of Century 

Bancshares, Inc., Dallas, Texas, and thereby 

indirectly acquire its subsidiary, Century Bank, 

N.A., Texarkana, Texas.

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