Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 42 

Week Ending October 18, 2008

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

Over-the-Counter Derivatives -- statement by Patrick Parkinson, deputy director, 

Division of Research and Statistics, before the House Committee on Agriculture.

- Submitted, October 15, 2008

Bank Holding Companies

Caja de Ahorros y Monte de Piedad de Madrid, Madrid, Spain; Caja Madrid Cibeles 

S.A.; and CM Florida Holdings, Inc., Coral Gables, Florida -- to acquire shares of 

City National Bancshares, Inc., Miami, Florida, and its subsidiary bank, City 

National Bank of Florida.

- Approved, October 15, 2008

Monetary and Financial Policy

Commercial Paper Funding Facility -- additional details regarding the CPFF, to be 

implemented on October 27, 2008, to provide a liquidity backstop to U.S. issuers of 

commercial paper.

- Announced, October 14, 2008

Systemic-Risk Exception -- recommendation to the Secretary of the Treasury to 

invoke the systemic-risk exception to the Federal Deposit Insurance Act, enabling the 

Federal Deposit Insurance Corporation to provide certain guarantees.

- Announced, October 14, 2008

Regulations And Policies

Capital Rules -- interim final rule with request for public comment to allow bank 

holding companies to include in their tier 1 capital without restriction the senior 

perpetual preferred stock issued to the Treasury Department under the capital 

purchase program.

- Announced, October 16, 2008

H.2 Board Actions October 12, 2008 to October 18, 2008

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

Alliance Bancshares California, Culver City, California -- written agreement with the 

Federal Reserve Bank of San Francisco.

- Announced, October 16, 2008

AmericasBank, Towson, Maryland -- written agreement with the Federal Reserve 

Bank of Richmond and the Maryland Division of Financial Regulation.

- Announced, October 16, 2008

Irwin Financial Corporation, Columbus, Indiana, and Irwin Union Bank and Trust 

Company -- written agreement with the Federal Reserve Bank of Chicago and the 

Indiana Department of Financial Institutions.

- Announced, October 14, 2008

H.2 Board Actions October 12, 2008 to October 18, 2008

(A/C) = Addition or Correction Board - Page 2 of 2
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

October 12, 2008 to October 18, 2008

Bank Branches, Domestic

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish 

branches at 1322 East Gude Drive, Rockville, Maryland; 7920 Norfolk Avenue, 

Bethesda; and 8521 Colesville Road, Silver Spring.

Secretary

- Approved, October 17, 2008

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 1451 Ritchie Highway, 

Arnold, Maryland.

Secretary

- Approved, October 16, 2008

Virginia Business Bank, Richmond, Virginia -- to establish a branch at 1317 

Executive Boulevard, Suite 110, Chesapeake, and to provide a courier service to pick 

up deposits from customers in Norfolk, Chesapeake, Virginia Beach, Portsmouth, 

and Suffolk.

Richmond

- Approved, October 17, 2008

Virginia Commerce Bank, Arlington, Virginia -- to establish a branch at 6375 

Multiplex Drive, Centreville.

Richmond

- Approved, October 15, 2008

Virginia Commerce Bank, Arlington, Virginia -- to establish a branch at Lot 5A 

Parcels A&B, Section 1, Princeton Woods Shopping Center, Dumfries.

Richmond

- Approved, October 15, 2008

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

Capstone Bancshares, Inc., Tuscaloosa, Alabama -- waiver of application to merge 

with Security Federal Bancorp, Inc., Tuscaloosa, in connection with the merger of 

their respective subsidiary depository institutions, Capstone Bank and Security Bank 

(a thrift institution).

Atlanta

- Granted, October 6, 2008

(A/C)

D. L. Evans Bancorp, Burley, Idaho -- to engage de novo in a joint venture with New 

Country Mortgage, LLC, Pocatello, in mortgage loan originations.

San Francisco

- Approved, October 15, 2008

First Bancshares of Stevenson, Inc. Stevenson, Alabama -- waiver of application to 

merge with F&M Bancorporation, Centre, in connection with the merger of their 

respective subsidiary banks, First Southern State Bank, Stevenson, and Farmers & 

Merchants Bank, Centre.

Atlanta

- Withdrawn, October 10, 2008

(A/C)

Floridian Financial Group, Inc., Daytona Beach, Florida -- to acquire shares of FBC 

Mortgage, LLC, Orlando, and thereby engage in making, acquiring, brokering, or 

servicing loans or other extensions of credit.

Atlanta

- Approved, October 16, 2008

Nova Financial Holdings, Inc., Berwyn, Pennsylvania -- to acquire Pennsylvania 

Business Bank, Philadelphia.

Philadelphia

- Approved, October 14, 2008

H.2 Actions under delegated authority October 12, 2008 to October 18, 2008

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

PrivateBancorp, Inc., Chicago, Illinois -- to acquire The PrivateWealth Trust 

Company (in organization), Chicago, and thereby operate a savings association.

Chicago

- Approved, October 17, 2008

Southern States Bancshares, Inc., Anniston, Alabama -- to become a bank holding 

company and to acquire Southern States Bank, Anniston.

Atlanta

- Approved, October 16, 2008

Tompkins Bancorp, Inc., Avon, Illinois -- to acquire Community Bank of Galesburg, 

Galesburg.

Chicago

- Approved, October 17, 2008

Bank Premises

The Richwood Banking Company, Inc., Richwood, Ohio -- to establish a branch at 

4848 Napoleon Street, Huntsville, and request to exceed the limit of investment in 

bank premises.

Cleveland

- Approved, October 17, 2008

Change In Bank Control

Medina Bankshares, Inc., Hondo, Texas -- change in bank control of Medina and its 

subsidiary bank, D'Hanis State Bank, D'Hanis.

Dallas

- Permitted, October 17, 2008

H.2 Actions under delegated authority October 12, 2008 to October 18, 2008

(A/C) = Addition or Correction Delegated - 3 of 5
Change In Bank Control

Wilber Co., Wilber, Nebraska -- to retain control of Wilber Co., Wilber, parent 

company of First State Bank, Lincoln.

Kansas City

- Permitted, October 14, 2008

Extensions Of Time

The Citizens Bank of Edmond, Edmond, Oklahoma -- extension to January 19, 2009, 

to establish a branch at the southwest corner of Pennsylvania and 164th Street, 

Oklahoma City.

Kansas City

- Granted, October 17, 2008

Grundy Bank, Morris, Illinois -- extension to January 27, 2009, to establish a branch 

at 2650 East Division Street, Diamond.

Chicago

- Granted, October 15, 2008

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to February 15, 

2009, to establish branches at 11535 Palmbrush Trail, Bradenton, Florida; 5931 

Brookhill Boulevard, Sarasota; and 5409 Deep Lake Circle, Oviedo.

Chicago

- Granted, October 15, 2008

Reliance Bancorp, MHC (in formation), Altoona, Pennsylvania, and Reliance 

Bancorp, Inc. (in formation) -- extension to January 23, 2009, to become bank 

holding companies in connection with the reorganization of Reliance Savings Bank, 

Altoona, from a state-chartered mutual savings bank to a stock savings bank.

Philadelphia

- Granted, October 17, 2008

H.2 Actions under delegated authority October 12, 2008 to October 18, 2008

(A/C) = Addition or Correction Delegated - 4 of 5
Membership

Commercial Savings Bank, Carroll, Iowa -- to become a member of the Federal 

Reserve System.

Chicago

- Approved, October 17, 2008

Empire State Bank, National Association, Newburgh, New York -- to retain 

membership in the Federal Reserve System after it converts from a national to a state 

charter.

New York

- Approved, October 17, 2008

H.2 Actions under delegated authority October 12, 2008 to October 18, 2008

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

Federal Reserve Bank of Boston

Filings received during the week ending October 18, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 October 18, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

Not applicable

Banco Popular de Puerto Rico, San Juan, Puerto 10/27/2008

Rico to acquire certain assets and assume 

certain liabilities of Banco Popular, N.A., 

Orlando, Florida

BANCO POPULAR DE PUERTO 

RICO

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citibank, N.A., Las Vegas, Nevada and Citibank 

Overseas Investment Corporation, New Castle, 

Delaware, pursuant to Section 211.9(f) of 

Regulation K, to make an investment in Citibank 

Privatkunden AG & Co., Dusseldorf, Germany, 

in connection with the sale of Citigroup Inc.'s 

retail banking business and consumer 

operations in Germany to Credit Mutuel.

CITIBANK, N.A.

Newspaper:

Federal Register:

* 3A3 Not available

4c8 Not available

Citigroup Inc., New York, New York, to acquire 

five insured depository institution subsidiaries 

of Wachovia Corporation, Charlotte, North 

Carolina: Wachovia Bank, National Association, 

Charlotte, North Carolina; Wachovia Bank of 

Delaware, National Association, Wilmington, 

Delaware; Wachovia Card Services, National 

Association, Atlanta, Georgia; Wachovia 

Mortgage, FSB, Las Vegas, Nevada; and 

Wachovia Bank, FSB, Houston, Texas, pursuant 

to Sections 3(a)3 and 4(c)(8) of the BHC Act and 

thereby operate a savings association, pursuant 

to section 225.28(b)(4) of Regulation Y.

CITIGROUP INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

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

* 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 October 18, 2008

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 October 18, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Bancorp of Lexington, Inc., Lexington, KY to 

become a bank holding company by acquiring 

100% of the voting shares of Bank of Lexington, 

Inc., Lexington, KY.

Bancorp of Lexington, Inc.

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 October 18, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 10/31/2008

11/14/2008

Coastal Carolina Bancshares, Inc., Myrtle 

Beach, South Carolina, to become a bank 

holding company by acquiring 100% of Coastal 

Carolina National Bank, Myrtle Beach, South 

Carolina (in organization).

COASTAL CAROLINA 

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Old Line Bank, Bowie, Maryland, to establish a 10/27/2008

branch at 1641 State Route 3 North, Crofton, 

Maryland.

OLD LINE BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Peoples Community Bank, Montross, Virginia, 10/24/2008

proposes to establish a branch at 5082 James 

Madison Parkway, King George, Virginia.

PEOPLES COMMUNITY BANK

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 October 18, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco de Desarrollo Rural, S.A., (BANRURAL), 

Guatemala City, Guatemala, to establish a 

representative office located in Miami, Florida.

BANCO DE DESARROLLO 

RURAL, S.A.

Newspaper:

Federal Register:

CIC

Not available

Prior change in control notice filed by The Harry 11/12/2008

L. Rankin, Jr. Family, Columbia, Mississippi 

(members include Elizabeth Barrett Arinder, 

Elizabeth Carolyn Rankin Arinder, Lannye Olivia 

Brickwell Arinder, Olive Elizabeth Clower Beach, 

and Marianne Rankin, all of Columbia, 

Mississippi; Christopher Charles Rankin 

Arinder, Hattiesburg, Mississippi; Benjamin 

Thomas Newton, Ocean Springs, Mississippi; 

Christopher Harry Lee Rankin, College Station, 

Texas; and Thomas Stephen Clower Rankin, 

Dallas, Texas), to collectively acquire an 

additional 2.01 percent of the outstanding 

shares of Citizens Corporation, and its 

subsidiary, Citizens Bank, both of Columbia, 

Mississippi. Total pro forma ownership will 

equal 11.66 percent.

CITIZENS CORPORATION

Newspaper:

Federal Register:

CIC 10/29/2008

10/20/2008

After-the-fact change in control notice filed by 

James C. Jones, Waycross, Georgia; Patrick C. 

Jones and Carole C. Jones, both of Blackshear, 

Georgia; to retain 35.05 percent of the 

outstanding shares of Jones Bancshares, LP, 

and its subsidiary, Primesouth Bank, both of 

Blackshear, Georgia.

JONES BANCSHARES, L.P.

Newspaper:

Federal Register:

* Branch

Not applicable

MetroBank of Dade County, Miami, Florida, to 10/24/2008

establish a branch located at 11715 West 

Okeechobee Road, Hialeah Gardens, Florida.

METRO BANK OF DADE 

COUNTY

Newspaper:

Federal Register:

* 4c8 11/15/2008

11/14/2008

Regent Bancorp, Inc., Davie, Florida, to acquire 

100 percent of the outstanding shares of Regent 

Bank, Greenville, South Carolina (in 

organization), and thereby engage in operating 

a savings association.

REGENT BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 10/31/2008

establish branches in the following locations: at 

the corner of AL Hwy 67 and US Hwy 31, 

Decatur, Alabama, to be known as the Sixth 

Avenue Branch; at the Intersection of Hwy 98 

(Back Beach Road) and Powell Adams Road, 

Panama City, Florida, to be known as the Pier 

Park Branch; at 1485 W. Gateway Blvd., 

Boynton Beach, Florida, to be known as the 

Gateway Branch; at W Sandlake Road at Della 

Drive, Orlando, Florida, to be known as the 

Sandlake and Bay Hill Branch; at 1300 N. 

Collins, Arlington, Texas, to be known as the 

North Arlington Branch; and at the corner of 

Fairchild Gardens and Kyoto Gardens (Gardens 

Pointe), Palm Beach Gardens, Florida, to be 

known as the Gardens Mall Branch.

REGIONS 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 October 18, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Alpine Bank & Trust Co., Rockford, Illinois, to 10/27/2008

establish a branch facility to be located at 4142 

John Farms Road, Rockford, Illinois.

ALPINE BANK & TRUST CO.

Newspaper:

Federal Register:

4c8 Not applicable

11/04/2008

Broadway Bancorp, Inc., Chicago, Illinois, 

proposes to engage de novo in extending credit 

and servicing loans.

BROADWAY BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

11/04/2008

Notice by Spiro P. Argiris, Burr Ridge, Illinois, 

individually and as part of a group acting in 

concert with Theodore P. Argiris, Palos Park, 

Illinois, Cathy Argiris, Palos Park, Illinois, and 

Carpetcrafters, Inc., Alsip, Illinois, to acquire 

control of Community Holdings Corporation, 

Palos Hills, Illinois, and thereby indirectly 

control Family Bank and Trust Company, Palos 

Hills, Illinois.

COMMUNITY HOLDINGS 

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

First Farmers Bank & Trust, Converse, Indiana, 10/27/2008

to establish a branch facility to be located at 826 

N. Baldwin Avenue, Marion, Indiana.

FIRST FARMERS BANK & 

TRUST

Newspaper:

Federal Register:

* 3A5 Not available

11/03/2008

First Merchants Corporation, Muncie, Indiana, 

to acquire 100 percent of the voting shares of 

Lincoln Bancorp, Plainfield, Indiana, and 

thereby indirectly acquire Lincoln Bank, 

Plainfield, Indiana.

FIRST MERCHANTS 

CORPORATION

Newspaper:

Federal Register:

* 3A1 11/01/2008

11/10/2008

Hoosier Heartland State Bancorp, 

Crawfordsville, Indiana, to become a bank 

holding company by acquiring 100 percent of 

the voting shares of Linden State Bancorp, 

Linden, Indiana, and thereby indirectly acquire 

Linden State Bank, Linden, Indiana, and New 

Ross Bancorp, New Ross, Indiana, and thereby 

indirectly acquire Farmers State Bank, New 

Ross, Indiana.

HOOSIER HEARTLAND STATE 

BANCORP

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Linden State Bank, Linden, Indiana, to merge 

with Farmers State Bank, New Ross, Indiana, 

and thereby to establish 4 branches.

LINDEN STATE BANK

Newspaper:

Federal Register:

CIC 10/23/2008

10/17/2008

Notice by Peter T. Rogers, Appleton, 

Wisconsin, to retain control of 21.3 percent of 

the outstanding voting shares of M.S.B. 

Bancorporation, Inc., Marion, Wisconsin, and 

thereby indirectly retain control of Premier 

Community Bank, Marion, Wisconsin.

M.S.B. BANCORPORATION, 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 October 18, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/04/2008

Notice by Douglas and Theresa Kelly, 

Kirksville, Missouri; Ray E. Cahalan Family 

Trust with Theresa Kelly and Jacquline 

Niedergerke as co-trustees, Kirksville, Missouri; 

Gary Kelly, Aspen, Colorado; and William and 

Kathleen Moffett, Golden, Colorado, as a group 

acting in concert to retain control of Kirksville, 

Bancorp, Inc., Kirksville, Missouri.

KIRKSVILLE 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 October 18, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 October 18, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Collegiate Peaks Bank, Buena Vista, Colorado, 10/24/2008

to establish a branch at 885 South Colorado 

Boulevard, Denver, Colorado; and to establish a 

branch at 2191 North Ursula #12, Aurora, 

Colorado.

COLLEGIATE PEAKS 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

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 October 18, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas, to establish 5 

branches at the following locations: 2626 El 

Camino Real, Carlsbad, California 92008; 39008 

Paseo Padre Parkway, Fremont, California 94538; 

635 S. Hobart Blvd., Los Angeles, California 

90005; 6451 E. Pacific Coast Hwy., Long Beach, 

California 90803; and 600 Main Street, 

Pleasanton, California 94566.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Dallas, Texas, to establish 5 10/21/2008

branches in Texas at the following locations 

5925 Overton Ridge Blvd., Fort Worth, Texas 

76132; 4351 Western Center Blvd., Fort Worth, 

Texas 76137; 8422 Dallas Parkway, Frisco, Texas 

75034; 13200 N I H 35, Austin, Texas 78753; and 

4231 W. 3rd Street, Fort Worth, Texas 76102.

COMERICA BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Texas First Bank - Texas City, Texas City, Texas, 

to purchase the assets and assume the liabilities 

of Texas First Bank, Galveston, Texas, and to 

establish branches at the following locations: 

6501 Stewart Road, Galveston, Texas 77650; 

2401 Broadway, Galveston, Texas 77550; 13701 

FM 3005, Galveston, Texas 77550; and 2390 

Highway 87, Crystal Beach, Texas 77650.

TEXAS FIRST 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 October 18, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

11/03/2008

NHB Holdings, Inc. and Proficio Mortgage 

Ventures, LLC, to engage denovo in a joint 

venture with Home Avenue Mortgage, 

Clearwater, Florida, in conducting mortgage 

banking activities, pursuant to section 4(c)(8) of 

the BHC act and section 225.28(b)(1) of 

Regulation Y.

NHB HOLDINGS, INC.

* 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