Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 37 

Week Ending September 13, 2008

Board of Governors of the Federal Reserve System, Washington, DC 20551
Forms

Forms -- final Board review to extend with revision the Domestic Finance Company 

Report of Consolidated Assets and Liabilities (FR 2248), International Applications 

and Prior Notifications Under Subpart B of Regulation K (FR K-2), and Application 

for a Foreign Organization to Become a Bank Holding Company (FR Y-3F).

- Approved, September 10, 2008

Monetary and Financial Policy

Term Auction Facility -- TAF auction in the amount of $25 billion in 84-day credit 

on September 8, 2008.

- Announced, September 8, 2008

Term Auction Facility -- TAF auction in the amount of $25 billion in 28-day credit 

on September 9, 2008.

- Announced, September 9, 2008

Regulations And Policies

Capital Adequacy Guidelines -- publication for comment of interagency amendments 

that would permit a banking organization to reduce the amount of its goodwill 

deduction from tier 1 capital by any associated deferred tax liability.

- Approved, September 12, 2008

Privacy Act Records -- publication for comment of notice of a new system of records 

in connection with implementation of the Board's Electronic Applications system 

(E-Apps) that allows banking institutions to submit regulatory applications, notices, 

and related materials electronically.

- Approved, September 11, 2008

H.2 Board Actions September 7, 2008 to September 13, 2008

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

ABN AMRO Bank N.V., Amsterdam, the Netherlands -- cease and desist order dated 

December 19, 2005, terminated September 10, 2008.

- Announced, September 12, 2008

Newnan Coweta Bancshares, Inc., Newnan, Georgia, and Neighborhood Community 

Bank -- written agreement with the Federal Reserve Bank of Atlanta and the Banking 

Commissioner of the State of Georgia.

- Announced, September 10, 2008

H.2 Board Actions September 7, 2008 to September 13, 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

September 7, 2008 to September 13, 2008

Bank Branches, Domestic

The Bank of Marion, Marion, Virginia -- to establish a branch at 2975 Lee Highway, 

Bristol.

Richmond

- Approved, September 11, 2008

Dacotah Bank, Aberdeen, South Dakota -- to establish a branch at 1441 6th Street, 

Brookings.

Minneapolis

- Approved, September 8, 2008

The Fauquier Bank, Warrenton, Virginia -- to establish a branch at 10250 Bristow 

Center Drive, Bristow.

Richmond

- Approved, September 8, 2008

Franklin Synergy Bank, Franklin, Tennessee -- to establish a branch at 134 4th 

Avenue North, Franklin.

Atlanta

- Approved, September 10, 2008

John Marshall Bank, Falls Church, Virginia -- to establish branches at 12165 

Darnestown Road, Gaithersburg, Maryland, and 818 South King Street, Leesburg, 

Virginia.

Richmond

- Approved, September 11, 2008

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Branches, Domestic

Palm Beach Community Bank, Boynton Beach, Florida -- to establish a branch at 

7300 Lake Worth Road, Lake Worth.

Atlanta

- Approved, September 10, 2008

Bank Holding Companies

Altrust Financial Services, Inc., Cullman, Alabama -- to acquire Generation Bank (in 

organization), Centre.

Atlanta

- Approved, September 11, 2008

Banco de Sabadell, S.A., Sabadell, Spain, and TransAtlantic Holding Corp., Miami, 

Florida -- to engage de novo, through a newly formed subsidiary, Interstate Property 

Holdings, LLC, Miami, in making, acquiring, brokering, or servicing loans or other 

extensions of credit.

Atlanta

- Approved, September 12, 2008

First Cecilian Bancorp, Inc., Cecilia, Kentucky -- to engage in lending activities.

St. Louis

- Approved, September 12, 2008

First Community Financial Partners, Inc., Joliet, Illinois -- to acquire shares of First 

Community Bank of Plainfield (in organization), Plainfield.

Chicago

- Approved, September 9, 2008

H.2 Actions under delegated authority September 7, 2008 to September 13, 2008

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

First Freedom Bancshares, Inc., Lebanon, Tennessee -- to become a bank holding 

company and to acquire First Freedom Bank, Lebanon.

Atlanta

- Approved, September 8, 2008

Lone Star First Holdings, Inc., Dallas, Texas -- to become a bank holding company 

and to acquire Kent County State Bank, Jayton.

Dallas

- Returned, September 9, 2008

One South Financial, Inc., Blakely, Georgia -- to acquire One South Bank (in 

organization), Chipley, Florida, and thereby engage in operating a savings 

association.

Atlanta

- Approved, September 8, 2008

Premier Bancorp of Illinois, Inc., Farmer City, Illinois -- to retain shares of FM 

Bancorp, Inc., Paxton, and thereby indirectly retain shares of Farmers-Merchants 

National Bank of Paxton and TriCapital, L.L.C., Indianapolis, Indiana, and to 

continue engaging in credit-extending and loan-servicing activities.

Chicago

- Approved, September 8, 2008

Bank Mergers

SunTrust Bank, Atlanta, Georgia -- to purchase certain assets and assume certain 

liabilities of First Priority Bank, Bradenton, Florida, and waiver of publication and 

notice requirements with respect to the application.

Secretary

- Approved, September 11, 2008

H.2 Actions under delegated authority September 7, 2008 to September 13, 2008

(A/C) = Addition or Correction Delegated - 3 of 5
Bank Premises

The Richwood Banking Company, Inc., Richwood, Ohio -- request to exceed the 

limit on investment in bank premises.

Cleveland

- Approved, September 4, 2008

(A/C)

Change In Bank Control

City National Corporation, Beverly Hills, California -- change in bank control of City 

National and its subsidiary bank, City National Bank, Beverly Hills.

San Francisco

- Permitted, September 11, 2008

Quality Bankshares, Inc., Fingal, North Dakota -- change in bank control of Quality 

Bankshares and its subsidiary bank, Quality Bank, Fingal.

Minneapolis

- Permitted, September 9, 2008

Extensions Of Time

First Community Bank, Glasgow, Montana -- extension to September 24, 2009, to 

establish a branch at 2150 Amsterdam Road, Belgrade.

Minneapolis

- Granted, September 11, 2008

NOVA European Holdings Company, Minneapolis, Minnesota -- extension to 

September 29, 2009, to invest in Elavon Financial Services Limited, Dublin, Ireland.

Minneapolis

- Granted, September 8, 2008

H.2 Actions under delegated authority September 7, 2008 to September 13, 2008

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

Farmers Bank & Trust Company, Magnolia, Arkansas -- to become a member of the 

Federal Reserve System.

St. Louis

- Approved, September 12, 2008

Regulations And Policies

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

check processing operations in the Atlanta Reserve District.

Secretary

- Approved, September 8, 2008

H.2 Actions under delegated authority September 7, 2008 to September 13, 2008

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

Federal Reserve Bank of Boston

Filings received during the week ending September 13, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Medway Co-operative Bank, Medway, 09/20/2008

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 10/03/2008

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
District: 2

Federal Reserve Bank of New York

Filings received during the week ending September 13, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

EuroBancshares, Inc., San Juan, Puerto Rico to 

engage through its subsidiary, EUBK Securities, 

Inc.(in formation), San Juan, Puerto Rico, in 

securities brokerage and riskless-principal 

transactions, pursuant to Section 225.28(b)(7)

(i)and (ii) of Regulation Y.

EUROBANCSHARES, 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 September 13, 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 September 13, 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 13, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 10/07/2008

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

* 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 13, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/29/2008

Prior change in control notice filed by Leslie D. 

Ligon, Jr., Clinton, Louisiana, to acquire an 

additional 1.79 percent of the outstanding 

shares of Clinton Bancshares, Inc., and its 

subsidiary, Landmark Bank, both of Clinton, 

Louisiana. Pro forma will equal 13.08 percent.

CLINTON BANCSHARES, INC.

Newspaper:

Federal Register:

4c8 Not applicable

10/01/2008

Commerce Bancshares Inc., Franklin, 

Tennessee, to engage de novo in management 

consulting activities.

COMMERCE BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A1 09/18/2008

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.

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 09/20/2008

branch located at 850 Folly Road, Charleston, 

South Carolina, to be known as the James Island 

BI-LO Office.

SUNTRUST BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 13, 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 09/18/2008

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:

* 4c8 Not available

10/10/2008

PrivateBancorp, Inc., Chicago, Illinois, to 

acquire 100 percent of the voting shares of The 

PrivateWealth Trust Company, a federal 

savings bank (in organization), Chicago, Illinois, 

and thereby operate a savings bank.

PRIVATEBANCORP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 13, 2008

Filer Filing Type Filing Proposal End of Comment Period

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.

Newspaper:

Federal Register:

* 3A3 Not available

10/09/2008

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 13, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Providence Bank, Columbia, Missouri, to 09/26/2008

establish a branch facility to be located at 8 

North 5th Street, Columbia, Missouri.

PROVIDENCE BANK

* 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 13, 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 September 13, 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:

4c8 Not applicable

10/01/2008

CLC Enterprises, Inc., Nelson, Nebraska, to 

engage in lending activities.

C L C ENTERPRISES, INC.

Newspaper:

Federal Register:

CIC 08/26/2008

09/26/2008

The Schifferdecker Limited Partnership, Girard, 

Kansas; Mark W. Schifferdecker, Girard, 

Kansas, in an individual capacity and as 

managing general partner; Susan B. Friesen, 

Omaha, Nebraska, Joy L. Shoop, Hiawatha, 

Kansas, in an individual capacity and as general 

partners; and John and Carole Schifferdecker, 

Girard, Kansas, Nancy Schifferdecker, Girard, 

Kansas, and Nancy George, Hepler, Kansas, to 

become part of the family group acting in 

concert, to acquire control of GN Bankshares, 

Inc., parent of The Girard National Bank, both in 

Girard, Kansas. In addition, the Neihart Limited 

Partnership, Kansas City, Missouri; and David 

Neihart, Prairie Village, Kansas, and Robert 

Neihart, Overland Park, Kansas, in an individual 

capacity and as general partners; and Wendy 

Neihart, Prairie Village, Kansas, to become part 

of the family group acting in concert to control 

GN Bankshares, Inc., parent of The Girard 

National Bank, Girard, Kansas.

GN BANKSHARES, INC.

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

Federal Reserve Bank of Kansas City

Filings received during the week ending September 13, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/03/2008

09/26/2008

Notice submitted by Jeffrey F. Whitham, Garden 

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

* 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 13, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas, to establish a 

branch to be located at 1301 E. 14th Street, San 

Leandro, California 94577.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Southwest Bank, Fort Worth, Texas, to 09/10/2008

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 13, 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:

4c8 Not applicable

Not applicable

D.L. Evans Bancorp, Burley, Idaho, to engage 

de novo in a joint venture with New Country 

Mortgage, LLC, Pocatello, Idaho, in mortgage 

loan origination, pursuant to section 4(c)(8) of 

the Bank Holding Company Act, and section 

225.28(b)(1) of Regulation Y.

D. L. EVANS BANCORP

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act