Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 33 

Week Ending August 18, 2007

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

Wells Fargo & Company, San Francisco, California. -- to acquire Greater Bay 

Bancorp, East Palo Alto, and thereby acquire Greater Bay Bank, National 

Association, Palo Alto.

- Approved, August 17, 2007

Discount Rates

Discount and Advance Rates -- decrease in the primary credit rate from 6-1/4 

percent to 5-3/4 percent by the Federal Reserve Banks of New York and San 

Francisco, effective August 17, 2007.

- Approved, August 16, 2007

Discount and Advance Rates -- decrease in the primary credit rate from 6-1/4 

percent to 5-3/4 percent by the Federal Reserve Banks of Boston, Philadelphia, 

Cleveland, Richmond, Atlanta, Chicago, St. Louis, Minneapolis, Kansas City, and 

Dallas.

- Approved, August 17, 2007

Enforcement

Anadarko Bank and Trust Company, Anadarko, Oklahoma -- written agreement 

with the Federal Reserve Bank of Kansas City.

- Announced, August 16, 2007

Chemical Bank, Midland, Michigan -- issuance of a consent order of assessment 

of a civil money penalty.

- Announced, August 14, 2007

Hanmi Bank, Los Angeles, California -- issuance of a consent order of assessment 

of a civil money penalty.

- Announced, August 9, 2007

(A/C)

H.2 Board Actions August 12, 2007 to August 18, 2007

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

Marco Community Bank, Marco Island, Florida -- written agreement with the 

Federal Reserve Bank of Atlanta and the Florida Office of Financial Regulation.

- Announced, August 16, 2007

H.2 Board Actions August 12, 2007 to August 18, 2007

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operational and Payment System

IF International Finance

OSDM Office of Staff Director for Management

August 12, 2007 to August 18, 2007

Bank Branches, Domestic

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 2400 Main 

Street, Outlot 2, Evanston, Illinois.

Cleveland

- Approved, August 17, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 4137 West 

167th Street, County Club Hills, Illinois.

Cleveland

- Approved, August 17, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 1716 156th 

Street, Hammond, Indiana.

Cleveland

- Approved, August 17, 2007

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 4600 54th 

Avenue South, St. Petersburg, Florida.

Cleveland

- Approved, August 17, 2007

First Farmers and Merchants Bank, Columbia, Tennessee -- to establish a branch at 

9040 Carothers Parkway, Franklin.

Atlanta

- Approved, August 16, 2007

(A/C) = Addition or Correction Delegated - 1 of 6
Bank Branches, Domestic

First State Bank, Conway, Arkansas -- to establish a mobile branch in Cleburne 

County.

St. Louis

- Approved, August 15, 2007

Green Lake State Bank, Green Lake, Wisconsin -- to establish a branch at Highway 

23 and Rickmeyer Drive, Fond du Lac.

Chicago

- Approved, August 17, 2007

RBC Centura Bank, Raleigh, North Carolina -- to establish a branch at 2920 Jones 

Franklin Road, Cary.

Richmond

- Approved, August 16, 2007

RBC Centura Bank, Raleigh, North Carolina -- to establish a branch at 3619 Rogers 

Road, Wake Forest.

Richmond

- Approved, August 16, 2007

Bank Holding Companies

Arcola Holdings, Chicago, Illinois -- to become a bank holding company and to 

acquire Arcola Homestead Savings Bank, Arcola.

Chicago

- Approved, August 17, 2007

H.2 Actions under delegated authority August 12, 2007 to August 18, 2007

(A/C) = Addition or Correction Delegated - 2 of 6
Bank Holding Companies

Heritage Management Company, Inc., Washington, Missouri -- to become a bank 

holding company and to acquire United Bank of Chamois.

St. Louis

- Approved, August 16, 2007

John T. Vucurevich Foundation, Rapid City, South Dakota -- to become a bank 

holding company and to acquire shares of United Bancorporation, Osseo, Wisconsin; 

United Bank, Cambridge State Bank, Cambridge; Bank of Poynette, Polynette; 

Lincoln County Bank, Merrill; Clark County State Bank, Osceola, Iowa; Farmers 

State Bank, Stickney, South Dakota; and Farmers & Merchants State Bank, Iroquois.

Minneapolis

- Approved, August 13, 2007

Merchants Financial Group, Inc., Winona, Minnesota -- to acquire Jerema, Inc., 

Cannon Falls, and thereby acquire The First National Bank in Cannon Falls.

Minneapolis

- Approved, August 17, 2007

The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania -- waiver of 

application to acquire Yardville National Bancorp, Hamilton, New Jersey, in 

connection with the merger of The Yardville National Bank, Yardville, and PNC 

Bank, National Association, Pittsburgh, Pennsylvania.

Cleveland

- Withdrawn, August 16, 2007

The Protection Bank Holding Company, Inc., Protection, Kansas -- to acquire 

Citizens State Bank of Ashland.

Kansas City

- Approved, August 15, 2007

H.2 Actions under delegated authority August 12, 2007 to August 18, 2007

(A/C) = Addition or Correction Delegated - 3 of 6
Bank Holding Companies

Shinhan Financial Group Ltd., Inc., Seoul, Korea, and Shinhan Bank -- waiver of 

application requirement in connection with the merger of their subsidiary, Shinhan 

Bank America, New York, New York, and North Atlanta National Bank, Alpharetta, 

Georgia.

New York

- Granted, August 16, 2007

Susquehanna Bancshares, Inc., Lititz, Pennsylvania -- waiver of application to 

acquire Community Banks, Inc., Harrisburg, in connection with the merger of their 

subsidiaries, Susquehanna Bank PA, Lititz, and CommunityBanks, Millersburg.

Philadelphia

- Approved, August 16, 2007

Taunton Bancshares, Inc., Taunton, Minnesota -- to become a bank holding company 

and to acquire State Bank of Taunton.

Minneapolis

- Approved, August 14, 2007

Tennessee Bancshares, Inc., Tullahoma, Tennessee -- to become a bank holding 

company and to acquire the Bank of Tullahoma.

Atlanta

- Approved, August 14, 2007

W.T.B. Financial Corporation, Spokane, Washington -- to retroactively acquire 

shares of Lewis Investors, LLC, Seattle.

San Francisco

- Withdrawn, August 14, 2007

H.2 Actions under delegated authority August 12, 2007 to August 18, 2007

(A/C) = Addition or Correction Delegated - 4 of 6
Bank Holding Companies

Wachovia Corporation, Charlotte, North Carolina -- to acquire A.G. Edwards Trust 

Company FSB, St. Louis, Missouri.

Secretary

- Approved, August 14, 2007

Bank Mergers

Community Trust Bank, Inc., Pikeville, Kentucky -- to merge with Eagle Bank, Inc., 

Williamstown.

Cleveland

- Withdrawn, August 15, 2007

Banks, Foreign

The State Export-Import Bank of Ukraine, Inc., Kiev, Ukraine -- to establish a 

representative office in New York, New York.

Director, BS&R

- Approved, August 17, 2007

Change In Bank Control

Delhi Bancshares, Inc., Delhi, Louisiana -- change in bank control.

Dallas

- Permitted, August 14, 2007

H.2 Actions under delegated authority August 12, 2007 to August 18, 2007

(A/C) = Addition or Correction Delegated - 5 of 6
Extensions Of Time

The Farmers State Bank of Fort Morgan, Employee Stock Ownership Plan, Fort 

Morgan, Colorado -- extension to November 17, 2007, to acquire shares of F.S.B. 

Bancorporation of Fort Morgan, Colorado, and Farmers State Bank of Fort Morgan.

Kansas City

- Granted, August 17, 2007

Regulations And Policies

Regulation CC -- technical amendments to Appendix A to reflect the restructuring of 

check processing operations in the Minneapolis and Kansas City Federal Reserve 

Districts (Docket No. R-1293).

Secretary

- Approved, August 13, 2007

H.2 Actions under delegated authority August 12, 2007 to August 18, 2007

(A/C) = Addition or Correction Delegated - 6 of 6
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending August 18, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice pursuant to the Change in Bank Control 

Act of 1978 by James J. Mawn, Sr. Gloucester, 

Massachusetts, and members of his immediate 

family and affiliated entities acting in concert to 

acquire additional shares of Northern Bancorp, 

Inc., Woburn, Massachusetts.

NORTHERN BANCORP, 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 August 18, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/27/2007

Allied Irish Banks, p.l.c., Dublin, Ireland to 

acquire additional shares of M&T Bank 

Corporation, Buffalo, New York ("M&T"), for a 

total of 29 percent, as a result of M&T's stock 

buyback program, and thereby indirectly control 

Manufacturers and Traders Trust Company, 

Buffalo, New York and M&T Bank, N.A., 

Oakfield, New York.

ALLIED IRISH BANKS, P.L.C.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Andhra Bank, Hyderabad, India, to establish a 

representative office in Jersey City, New Jersey.

ANDHRA BANK

Newspaper:

Federal Register:

4c8 Not applicable

09/04/2007

Banco Latinoamericano de Exportaciones S.A., 

Panama City, Republic of Panama, requests prior 

approval of the Board of Governors of the 

Federal Reserve System to engage in 

nonbanking activities, pursuant to Sections 4(c)

(8) and 4(j) of the BHC Act of 1956 and Section 

225.24 of Regulation Y.

BANCO LATINOAMERICANO 

DE EXPORTACIONES, S.A.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

BNP Paribas, Paris, France requests approval 

pursuant to the International Banking Act of 

1978 and after the fact provisions of Section 

211.24(a)(6) of Regulation K to establish the 

New York branch of its subsidiary Banca 

Nationale del Lavoro S.p.A., Rome, Italy.

BNP PARIBAS

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Center Bancorp, Inc., Union, New Jersey, 

request prior appproval of the Board of 

Governors of the Federal Reserve System, to 

acqire Beacon Trust Company, Inc., a limited 

purpose trust company located in Madision, 

New Jersey and thereby engage in certain 

nonbanking activities.

CENTER BANCORP, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

HSH Nordbank Ag, Hamburg, Germany, 

proposes to engage in financial and investment 

advisory activities, by making a joint venture 

investment in Estein & Associates USA, Ltd., 

Orlando, Florida, pursuant to Section 4(c) (8) 

and 4(j) of the BHC Act and Section 225.28(b)(6) 

of Regulation Y.

HSH NORDBANK AG

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

International Bank of Azerbaijan, Baku, 

Azerbaijan, to establish a representative office 

in New York, New York, pursuant to Section 

10(a) of the International Banking Act, as 

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

K.

INTERNATIONAL BANK OF 

AZERBAIJAN

Newspaper:

Federal Register:

FBSEA

Not applicable

Macquarie Bank Ltd., Sydney, Australia, to 09/05/2007

establish one additional representative office in 

Chicago, Illinois, pursuant to Section 211.24(a)

(2)(i)(B)(3) of Regulation K.

MACQUARIE BANK LIMITED

* Subject to the provisions of the Community Reinvestment Act
District: 2

Federal Reserve Bank of New York

Filings received during the week ending August 18, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company 08/26/2007

requests approval to open and occupy a branch 

to be located at 398 Harrisburg Avenue, Suite, 

200, City of Lancaster, Lancaster County, 

Pennsylvania.

MANUFACTURERS AND 

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Manufacturers and Traders Trust Company 

requests approval to open and occupy a branch 

to be located at 1030 Jackson Avenue, Borough 

of Queens, Queens County, New York.

MANUFACTURERS AND 

TRADERS TRUST COMPANY

* 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 August 18, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 August 18, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 09/07/2007

08/31/2007

Hometown Bancshares, Inc. Middlebourne, 

West Virginia to acquire First Community 

Bancorp, Inc., St. Marys, West Virginia, 

pursuant to section 3(a)(5) of the BHCA. First 

National Bank of St. Marys, St. Marys, West 

Virginia will be merged with and into Union 

Bank, Inc., Hometown's subsidiary bank located 

in Middlebourne, West Virginia.

HOMETOWN BANCSHARES, 

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 August 18, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The Fauquier Bank, Warrenton, Virginia, 08/23/2007

proposes to establish a branch at 15252 

Washington Street, Haymarket, Virginia.

FAUQUIER BANK, THE

Newspaper:

Federal Register:

* Branch

Not applicable

Gateway Bank & Trust Co., Elizabeth City, 08/30/2007

North Carolina, proposes to provide a courier 

service to pick up deposits from customers in 

Camden, Chowan, Currituck, Dare, Durham, New 

Hanover, Orange, Pasquotank, Perquimans, Pitt, 

Wake, and Washington Counties, North 

Carolina.

GATEWAY BANK & TRUST CO.

Newspaper:

Federal Register:

* Branch

Not applicable

Gateway Bank & Trust Co., Elizabeth City, 08/30/2007

North Carolina, proposes to provide a courier 

service to pick up deposits from customers in 

Greensville County, Virginia Beach, 

Chesapeake, Newport News, Portsmouth, and 

Norfolk, Virginia.

GATEWAY BANK & TRUST CO.

Newspaper:

Federal Register:

* Branch

Not applicable

Gateway Bank & Trust Co., Elizabeth City, 08/30/2007

North Carolina, proposes to provide a courier 

service to pick up deposits from customers in 

Albemarle, Chesterfield, Greensville, and 

Henrico Counties, and the cities of Richmond 

and Charlottesville, Virginia.

GATEWAY BANK & TRUST CO.

* 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 August 18, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 09/12/2007

09/14/2007

Anderen Financial of TampaBay, Inc., 

Clearwater, Florida, to become a bank holding 

company by acquiring 100 percent of the capital 

stock of Anderen Bank of Tampa Bay, Palm 

Harbor, Florida (in organization).

ANDEREN FINANCIAL OF 

TAMPABAY, INC.

Newspaper:

Federal Register:

* 3A1 09/09/2007

09/14/2007

Banco Popular Espanol, S.A., Madrid, Spain, to 

become a bank holding company by acquiring 

100 percent of the outstanding shares of 

TotalBank, Miami, Florida.

BANCO POPULAR ESPANOL, 

S.A.

Newspaper:

Federal Register:

CIC Not available

Not available

Citizens Southern Bancshares, Inc., Vernon, 

Alabama (Bancshares), prior change in control 

notice filed by Guy F. Medley and Ann S. 

Medley; Michael A. Medley and Lanora A. 

Medley; Michael P. McCann and Janice A. 

McCann; Michael A. Bean and Deborah B. 

Bean; and Jeffrey K. Stout and Diane O. Stout, 

all of Dothan, Alabama, to collectively acquire 

69.17 percent of the outstanding shares of 

Bancshares and its subsidiary, Citizens State 

Bank, Vernon, Alabama.

CITIZENS SOUTHERN 

BANCSHARES, 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 August 18, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/01/2007

08/31/2007

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Bancorp Colorado Ltd. II, Fort Collins, 

Colorado, to acquire 51 percent of the voting 

shares of Loveland Bank of Commerce (in 

organization), Loveland, Colorado.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish a 

branch facility to be located at 3361 Rosecrans 

Street, Suite 9A, San Diego, California.

COMERICA BANK

Newspaper:

Federal Register:

* 3A1 Not available

09/14/2007

Covenant Bancshares, Inc., Forest Park, Illinois, 

to become a bank holding company by 

acquiring 100 percent of the voting shares of 

Community Bank of Lawndale, Chicago, Illinois.

COVENANT BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of Banner 

Corporation, Walla Walla, Washington, and 

thereby indirectly acquire Banner Bank, Walla 

Walla, Washington and Islanders Bank, Friday 

Harbor, Washington.

FBOP CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of 

BankFinancial Corporation, Burr Ridge, Illinois, 

and thereby indirectly acquire BankFinancial 

F.S.B., Olympia Fields, Illinois, and thereby 

operate a savings association.

FBOP CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of CFS 

Bancorp, Inc., Munster, Indiana, and thereby 

indirectly acquire Citizens Financial Bank, 

Munster, Indiana, and thereby operate a 

savings association.

FBOP CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of PFF 

Bancorp, Inc., Rancho Cucamonga, California, 

and thereby indirectly acquire PFF Bank and 

Trust, Pomona, California, and thereby operate a 

savings association.

FBOP CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of 

Provident Financial Holdings, Inc., Riverside, 

California, and thereby indirectly acquire 

Provident Savings Bank, F.S.B., Riverside, 

California, and thereby operate a savings 

association.

FBOP CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Fox River Financial Corporation, Burlington, 

Wisconsin, to become a bank holding company 

by acquiring 100 percent of the voting shares of 

Fox River State Bank, Burlington, Wisconsin.

FOX RIVER FINANCIAL 

CORPORATION

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 18, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 09/02/2007

09/06/2007

Level One Bancorp, Inc., Farmington Hills, 

Michigan, to become a bank holding company 

by acquiring 100 percent of the voting shares of 

Level One Bank (in organization), Farmington 

Hills, Michigan.

LEVEL ONE BANCORP

Newspaper:

Federal Register:

* 3A3 09/03/2007

09/06/2007

Metropolitan Bank Group, Inc., Chicago, Illinois 

and Plaza Bancorp, Inc., Chicago, Illinois, to 

acquire 100 percent of the voting shares of 

Poplar Creek Community Bank (in organization), 

Rolling Meadows, Illinois.

METROPOLITAN BANK GROUP, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

08/20/2007

Pan American Acquisition, Inc., Oak Brook, 

Illinois, to become a bank holding company by 

acquiring 100 percent of the voting shares of JD 

Financial Group, Inc., Chicago, Illinois, and 

thereby indirectly acquire Pan American Bank, 

Chicago, Illinois.

PAN AMERICAN ACQUISITION, 

INC

Newspaper:

Federal Register:

* 3A1 Not available

09/14/2007

SB Bancorp, Inc., DeForest, Wisconsin, to 

become a bank holding company by acquiring 

100 percent of the voting shares of Settlers 

Bank (in organization), DeForest, Wisconsin.

SB 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 August 18, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, St. Louis, Missouri, to establish a 09/01/2007

branch facility to be located at 11451 Broadway 

Street, Pearland, Texas.

FIRST BANK

Newspaper:

Federal Register:

* 3A3 09/14/2007

09/14/2007

M & P Community Bancshares, Inc. 401(k) 

Employee Stock Ownership Plan, Newport, 

Arkansas, to acquire additional shares of M & P 

Community Bancshares, Inc., Newport, 

Arkansas, for total ownership of up to 32 

percent.

M&P COMMUNITY 

BANCSHARES, INC. 401(K) 

EMPLOYEE STOCK OWNERSHIP 

PLAN

* 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

 643546 LEITCHFIELD DEPOSIT B&TC, LEITCHFIELD, KENTUCKY 04/30/2007 08/03/2007 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending August 18, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/31/2007

Notice by First Trust Company of Onaga, N.A. 

FBO LeRoy Albjerg, IRA, Arden Hills, 

Minnesota; US Bancorp Piper Jaffray custodian 

FBO Harold Broman, Jr., North St. Paul, 

Minnesota; Larry Dunn, Stacy, Minnesota; and 

Diana Makens, Las Vegas, Nevada, to join an 

existing group acting in concert: Walter G. Fries, 

Wabasha, Minnesota; Raymond B. Pinson, Del 

Ray Beach, Florida; Kenneth D. Myers, Apple 

Valley, Minnesota; GLA Investments, L.L.C., 

Lakeville, Minnesota, Gary Anderson as general 

partner; AMSIE Enterprises, LLC, Minnetonka, 

Minnesota, Donald Eisma as general partner; 

Nancy Ludwig and Francis N. Ludwig, Apple 

Valley, Minnesota; Richard B. Lambert, Jr., 

Apple Valley, Minnesota; Russell S. Sampson, 

Prior Lake, Minnesota; Curtis A. Sampson, 

Hector, Minnesota; Brett D. Reese, Northfield, 

Minnesota; S & L Investments, LLP, 

Bloomington, Minnesota, David Stueve as 

general partner; Savage Capitalists, LLP, 

Bloomington, Minnesota, David Stueve as 

general partner; Pershing LLC FBO Richard D. 

Estenson IRA, Northfield, Minnesota; Charles 

and Cindy Beske, Lakeville, Minnesota; and 

Brian Bauer, Garvin, Minnesota, to gain control 

of 25 percent or more of the shares of Access 

Bancshares, Inc., Champlin, Minnesota, and 

thereby indirectly gain control of Access Bank, 

Champlin, Minnesota.

ACCESS BANCSHARES, INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 August 18, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 08/31/2007

09/07/2007

American State Bancshares, Inc., Great Bend, 

Kansas, to acquire 100 percent of the voting 

shares of Intra Financial Corp, Concordia, 

Kansas, parent of Peoples Exchange Bank, 

Belleville, Kansas.

AMERICAN STATE 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

08/23/2007

Notification by Emmalie Gessner Cowherd, 

Carrollton, Missouri, individually, as trustee of 

the Emmalie Gessner Cowherd Revocable Living 

Trust, as personal representative of the Clifton 

R. Cowherd Estate and as a member of a family 

group; and Benjamin G. Polen, Carrollton, 

Missouri, both individually and as a member of 

a family group; to retain control of Carroll 

County Bancshares, Inc., Carrollton, Missouri, 

parent of Carroll County Trust Company of 

Carrollton, Missouri.

CARROLL COUNTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice filed by the 2007 Voting Trust 

Agreement, and its trustees, Albert Charles 

Kelly, Jr. and Peter John Kelly, both of Bristow, 

Oklahoma; Shawn Trevor Kelly, Edmond, 

Oklahoma; Paul Harrison Cornell, Tulsa, 

Oklahoma; and Allison Asbury Kelly, Okemah, 

Oklahoma, all to acquire control of Citizens 

Bankshares, Inc., Okemah, Oklahoma, parent of 

Citizens State Bank, Okemah, Oklahoma.

CITIZENS BANKSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

09/17/2007

Enterprise Holding Company, Omaha, Nebraska, 

to become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Enterprise Bank, N.A., Omaha, Nebraska.

ENTERPRISE HOLDING 

COMPANY

Newspaper:

Federal Register:

* 3A1

* 3A3

08/29/2007

09/06/2007

Peoples Bancshares, Inc., Colorado Springs, 

Colorado, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of Peoples National Bank 

Colorado, Colorado Springs, Colorado; Peoples 

National Bank Monument, Monument, 

Colorado; and Peoples National Bank Interim, 

Leadville, Colorado. Winter Trust of 12/3/74, 

Ottawa, Kansas, and Peoples Inc., Colorado 

Springs, Colorado, to acquire 100 percent of the 

voting shares of Peoples Bancshares, Inc., 

Colorado Springs, Colorado, parent of Peoples 

National Bank Interim, Leadville, Colorado.

PEOPLES BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 August 18, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 09/14/2007

08/27/2007

Mineola Community Mutual Holding Company, 

Mineola, Texas, and Mineola Community 

Financial Group, Inc., Mineola, Texas, to 

become bank holding companies by acquiring 

100 percent of Mineola Community Bank, S.S.B., 

Mineola, Texas.

MINEOLA COMMUNITY 

MUTUAL HOLDING COMPANY

* 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 August 18, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Community First Bank, Prineville, Oregon, to 08/23/2007

establish a branch facility at Staats Street, 

between between NW Colorado Avenue and 

NW Arizona Avenue, Bend, Oregon.

COMMUNITY FIRST BANK

Newspaper:

Federal Register:

* 18C

Not applicable

County Bank, Merced, California, to purchase 09/03/2007

the assets and assume the liabilities of 11 

California branches of National Bank of Arizona, 

Tucson, Arizona.

COUNTY BANK

Newspaper:

Federal Register:

* 3A3 09/14/2007

09/14/2007

Franklin Resources, Inc., San Mateo, California, 

to retroactively acquire 5.31 percent of Chemical 

Financial Corporation, and thereby indirectly 

acquire shares of Chemical Bank, both of 

Midland, Michigan.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Mission Bancorp to acquire 100 percent of the 

membership interests of Mission 1031 

Exchange, LLC, both of Bakersfield, California, 

and engage de novo in the tax free transition of 

selling one property and reinvesting in another 

like-kind property.

MISSION BANCORP

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Mitsubishi UFJ Financial Group, Inc., and The 

Bank of Tokyo-Mitsubishi UFJ, Ltd., both of 

Tokyo, Japan, to acquire up to 12 percent of 

Visa, Inc., San Francisco, California, and thereby 

indirectly engage in 1) the operation of 

electronic funds transfer systems, 2) the 

operation of authorization, clearing, and 

settlement systems, and 3) data processing, 

pursuant to section 4(c)(8) of the Bank Holding 

Company Act.

MITSUBISHI UFJ FINANCIAL 

GROUP, 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