Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 41 

Week Ending October 11, 2008

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

Mitsubishi UFJ Financial Group, Inc., Tokyo, Japan -- to acquire shares of Morgan 

Stanley, New York, New York, and to acquire an indirect interest in Morgan 

Stanley's subsidiary bank, Morgan Stanley Bank, National Association, Salt Lake 

City, Utah; subsidiary savings association, Morgan Stanley Trust, Jersey City, New 

Jersey; and subsidiary trust company, Morgan Stanley Trust National Association, 

Wilmington, Delaware. Statement issued, October 7, 2008.

- Approved, October 6, 2008

Discount Rates

Discount and Advance Rates -- decrease in the primary credit rate from 2-1/4 percent 

to 1-3/4 percent by the Federal Reserve Bank of Boston.

- Announced, October 8, 2008

Discount and Advance Rates -- decrease in the primary credit rate from 2-1/4 percent 

to 1-3/4 percent by the Federal Reserve Banks of New York, Philadelphia, 

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

and San Francisco.

- Approved, October 8, 2008

Forms

Forms -- final Board review to extend with revision the Report of Terms of Credit 

Card Plans (FR 2572) and the Survey of Terms of Lending (FR 2028A, 2028B, and 

2028S) and to revise without extension the Reports of Deposits (FR 2900 and 2910a).

- Approved, October 6, 2008

Monetary and Financial Policy

Commercial Paper Funding Facility -- establishment of the Commercial Paper 

Funding Facility (CPFF) to complement existing credit facilities and to help provide 

liquidity to term funding markets.

- Announced, October 7, 2008

H.2 Board Actions October 5, 2008 to October 11, 2008

(A/C) = Addition or Correction Board - Page 1 of 2
Monetary and Financial Policy

Federal Reserve Bank of New York -- authorization for the Federal Reserve Bank of 

New York to borrow investment-grade, fixed-income securities in return for cash 

collateral up to $37.8 billion from certain regulated U.S. insurance subsidiaries of the 

American International Group.

- Announced, October 8, 2008

Term Auction Facility -- TAF auctions in the amount of $150 billion each in 28-day 

credit on October 20, November 17, and December 15, and in the amount of $150 

billion each in three-month credit on October 6, November 3, December 1, and 

December 29, 2008.

- Announced, October 7, 2008

Regulations And Policies

Regulation D -- interim rule with request for comment to authorize Federal Reserve 

Banks to pay interest on required reserve balances and excess balances maintained by 

depository institutions.

- Announced, October 6, 2008

H.2 Board Actions October 5, 2008 to October 11, 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 5, 2008 to October 11, 2008

Bank Branches, Domestic

Heritage Bank, Norfolk, Virginia -- to establish a branch at 1756 Laskin Road, 

Virginia Beach.

Richmond

- Approved, October 10, 2008

Susquehanna Bank, Hagerstown, Maryland -- to establish a branch at 201 

International Drive, Hunt Valley.

Richmond

- Approved, October 8, 2008

Bank Holding Companies

C L C Enterprises, Inc., Nelson, Nebraska -- to engage in lending activities.

Kansas City

- Approved, October 7, 2008

Citizens Investors, LLC, Savannah, Georgia -- to become a bank holding company 

and to acquire shares of First Citizens Bankshares, Inc., Glenville, and its subsidiary 

bank, First Citizens Bank.

Atlanta

- Approved, October 7, 2008

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

Emclaire Financial Corp, Emlenton, Pennsylvania -- waiver of application to acquire 

Elk County Savings and Loan Association, Ridgway, in connection with its 

conversion from a mutual savings association to a state-chartered stock savings 

association and its merger with Emclaire's subsidiary bank, The Farmers National 

Bank of Emlenton, Emlenton.

Cleveland

- Granted, October 10, 2008

EuroBancshares, Inc. San Juan, Puerto Rico -- to engage through its subsidiary, 

EUBK Securities, Inc. (in formation), San Juan, in securities brokerage and 

riskless-principal transactions.

New York

- Approved, October 8, 2008

First National Corporation of Wynne, Wynne, Arkansas -- to acquire an interest in 

Twin Lakes Bancshares, Inc., Flippin, and thereby retain control of Twin Lakes 

Community Bank and indirectly acquire Smith Associated Banking Corporation, Hot 

Springs, and Bank of Salem, Salem.

St. Louis

- Withdrawn, October 9, 2008

SIS Bancorp, MHC, Sanford, Maine, and SIS Bancorp, Inc. -- to become a mutual 

bank holding company and stock bank holding company, respectively, by acquiring 

Sanford Institution for Savings, Sanford.

Boston

- Approved, October 9, 2008

H.2 Actions under delegated authority October 5, 2008 to October 11, 2008

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

Twin Lakes Bancshares, Inc. Flippin, Arkansas -- to become a bank holding 

company by acquiring Twin Lakes Community Bank, Flippin, and Smith Associated 

Banking Corporation, Hot Springs, and thereby indirectly acquire Bank of Salem, 

Salem, immediately following the bank holding company formation.

St. Louis

- Withdrawn, October 6, 2008

Wells Fargo & Company, San Francisco, California -- to acquire Century 

Bancshares, Inc., Dallas, Texas, and Century Delaware Financial Corporation, 

Wilmington, Delaware, and thereby indirectly acquire Century Bancshares' 

subsidiary bank, Century Bank, National Association, Texarkana, Texas.

Secretary

- Approved, October 8, 2008

Change In Bank Control

First Georgia Community Corp., Jackson, Georgia -- change in bank control of First 

Georgia and its subsidiary bank, First Georgia Community Bank.

Atlanta

- Permitted, October 9, 2008

Whitcorp Financial Company, Leoti, Kansas -- change in bank control of Whitcorp, 

parent company of Western State Bank, Garden City, and First National Bank in 

Lamar, Lamar, Colorado.

Kansas City

- Permitted, October 6, 2008

H.2 Actions under delegated authority October 5, 2008 to October 11, 2008

(A/C) = Addition or Correction Delegated - 3 of 5
Extensions Of Time

First Artesia Bancshares, Inc., Artesia, New Mexico -- extension to December 6, 

2008, to acquire First Financial Services, Inc., Chaparral, and to engage in lending 

activities.

Dallas

- Granted, October 8, 2008

Financial Holding Companies 

Mitsubishi UFJ Financial Group, Inc., Tokyo, Japan; The Bank of Tokyo-Mitsubishi 

UFJ, Ltd.; Mitsubishi UFJ Trust and Banking Corporation; UnionBanCal 

Corporation, San Francisco, California -- elections to become financial holding 

companies.

Director, BS&R

- Effective, October 6, 2008

Membership

Liberty Bank of Arkansas, Jonesboro, Arkansas -- to become a member of the 

Federal Reserve System and establish its wholly owned insurance company, Town & 

Country Insurance Agency, Inc., Jonesboro, as a financial subsidiary.

St. Louis

- Approved, October 8, 2008

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting held on September 16, 

2008.

FOMC

- Published, October 7, 2008

H.2 Actions under delegated authority October 5, 2008 to October 11, 2008

(A/C) = Addition or Correction Delegated - 4 of 5
Regulations And Policies

Short-term Interest Rates -- decrease in the target for the federal funds rate from 

2 percent to 1-1/2 percent.

FOMC

- Approved, October 7, 2008

H.2 Actions under delegated authority October 5, 2008 to October 11, 2008

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

Federal Reserve Bank of Boston

Filings received during the week ending October 11, 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 11, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Banco Popular de Puerto Rico, San Juan, Puerto 

Rico to acquire certain assets and assume 

certain liabilities of Banco Popular, N.A., 

Orlando, Florida

BANCO POPULAR DE PUERTO 

RICO

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:

Member Not applicable

Not applicable

Goldman Sachs Trust Company, New York, New 

York requests to become a member of the 

Federal Reserve System.

GOLDMAN SACHS TRUST 

COMPANY, THE

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 11, 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 11, 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 October 11, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 10/29/2008

10/31/2008

Bank of America Corporation, Charlotte, North 

Carolina, to acquire 100% of the voting 

securities of Merrill Lynch Bank & Trust Co., 

FSB, New York, New York, and Merrill Lynch 

Bank USA, Salt Lake City, Utah. Also, Bank of 

America Corporation, Charlotte, North Carolina, 

to acquire up to 19.9% of the voting securities 

of Merill Lynch & Co., Inc., New York, New 

York, under certain circumstances.

BANK OF AMERICA 

CORPORATION

Newspaper:

Federal Register:

* 3A1 10/27/2008

10/30/2008

CapGen Capital Group II LLC, New York, New 

York, and CapGen Capital Group II LP, New 

York, New York, to become bank holding 

companies through the acquisition of 12.4% of 

the voting securities of PacWest Bancorp, San 

Diego, California, and indirectly acquire Pacific 

Western Bank, San Diego, California.

CAPGEN CAPITAL GROUP II LLC

Newspaper:

Federal Register:

* 3A1 Not available

Not available

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:

4c8 Not applicable

10/27/2008

Royal Bank of Canada, Montreal, Canada, to 

indirectly acquire Humboldt Merchant Services, 

LP, Reno, Nevada, through Moneris Solutions 

Corporation, Toronto, Canada, and to engage in 

lending, activities related to extending credit, 

and data processing activities.

ROYAL BANK OF CANADA

Newspaper:

Federal Register:

* 18C

Not applicable

Shore Bank, Onley, Virginia, proposes to 10/29/2008

acquire certain assets and assume certain 

liabilities of the Salisbury, Maryland, branch 

office of Chevy Chase Bank, FSB, McLean, 

Virginia.

SHORE 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 11, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

American Bancorp, Inc., notice to become a 

bank holding company by acquiring 100 percent 

of the outstanding shares of American Pride 

Bank, both of Macon, Georgia.

American Bancorp, Inc.

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:

* 3A1 10/21/2008

10/24/2008

Broward Financial Holdings, Inc., to become a 

bank holding company by acquiring 100 percent 

of the outstanding shares of Broward Bank of 

Commerce (in organization), both of Fort 

Lauderdale, Florida.

BROWARD FINANCIAL 

HOLDINGS, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 10/17/2008

establish the following branches: 280 West 

136th Avenue, Denver, Colorado; 450 Highway 

528, Bernalillo, New Mexico; 3830 Gulf Shores 

Parkway, Gulf Shores, Alabama; 1805 East Main 

Street, Prattville, Alabama; and 4401 Basswood 

Boulevard, Fort Worth, Texas; and 4200 

Highway 360, Fort Worth, Texas.

COMPASS BANK

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Florida Bank, Tampa, Florida, to merge with 10/26/2008

Florida Bank of Sarasota, Sarasota, Florida.

FLORIDA BANK

Newspaper:

Federal Register:

* 3A1 10/15/2008

10/17/2008

Jefferson Bancshares, Inc., Morristown, 

Tennessee, to acquire 100 percent of the 

outstanding shares of State of Franklin 

Bancshares, Inc., and its subsidiary, State of 

Franklin Savings Bank, both of Johnson City, 

Tennessee.

Jefferson Bancshares, Inc.

Newspaper:

Federal Register:

CIC Not available

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:

* 4c8 Not available

Not available

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.

* 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 11, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Broadway Bancorp, Inc., Chicago, Illinois, 

proposes to engage de novo in extending credit 

and servicing loans.

BROADWAY BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 10/27/2008

10/30/2008

First Community Financial Partners, Inc., Joliet, 

Illinois, to acquire at least 50.01 percent of the 

voting shares of First Community Bank of 

Homer Glen & Lockport (in organization), Homer 

Glen, Illinois.

FIRST COMMUNITY 

FINANCIAL PARTNERS, INC.

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 Not available

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:

4c8 Not applicable

10/27/2008

Illinois National Bancorp, Inc., Springfield, 

Illinois, proposes to engage de novo in lending 

activities.

ILLINOIS NATIONAL BANCORP, 

INC.

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 Not available

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 11, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Douglas and Theresa Kelly, 

Kirksville, Missouri; Ray E. Cahalan Family 

Trust with Theresa Kelly and Jacqulene 

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 11, 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 11, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Collegiate Peaks Bank, Buena Vista, Colorado, 

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

Newspaper:

Federal Register:

* 3A1 11/06/2008

11/10/2008

Foundation First Corporation, Omaha, 

Nebraska, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of Western State Bancshares, 

Inc., Waterloo, Nebraska and thereby indirectly 

acquire Western State Bank, Waterloo, 

Nebraska.

FOUNDATION FIRST 

CORPORATION

Newspaper:

Federal Register:

CIC 10/29/2008

10/28/2008

Notice by Peggy J. Wisdom, M.D., Edmond, 

Oklahoma, individually and as Personal 

Representative of the Estate of Grace V. 

Wisdom, to retain control of Grace Investment 

Company, Inc., Alva, Oklahoma, parent of Alva 

State Bank, Alva, Oklahoma and First National 

Bank in Okeene, Okeene, Oklahoma.

GRACE INVESTMENT 

COMPANY, INC.

Newspaper:

Federal Register:

* 3A3 Not available

11/06/2008

Lindoe, Inc., Ordway, Colorado, to acquire up to 

25 percent of the voting shares of Southern 

Colorado National Bancorporation, Inc., Pueblo, 

Colorado and thereby indirectly acquire 

Southern Colorado National Bank, Pueblo, 

Colorado.

LINDOE, INC.

Newspaper:

Federal Register:

* 3A1 11/01/2008

11/06/2008

Summerfield Financial Services, LLC, Fremont, 

Nebraska, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of The First National Bank of 

Summerfield, Summerfield, Kansas.

SUMMERFIELD FINANCIAL 

SERVICES, LLC

Newspaper:

Federal Register:

* 3A1 11/10/2008

11/07/2008

The Grace Investment Company, Inc. ESOP, 

Alva, Oklahoma, to become a bank holding 

company through the acquisition of 30 percent 

of the voting shares of Grace Investment 

Company, Inc., Alva, Oklahoma, and thereby 

indirectly acquire Alva State Bank & Trust 

Company, Alva, Oklahoma and First National 

Bank in Okeene, Okeene, Oklahoma.

THE GRACE INVESTMENT 

COMPANY, INC. ESOP

* 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 11, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5

* 3A3

11/03/2008

11/07/2008

CBFH, Inc., Orange, Texas, to acquire by merger 

100 percent of Crosby Bancshares, Inc., Crosby, 

Texas, and indirectly acquire Crosby 

Bancshares of Delaware, Inc., Wilmington, 

Delaware, and Crosby State Bank, Crosby, 

Texas. Also, Hillister Enterprises, II, Inc., 

Beaumont, Texas, and Umphrey II Family 

Limited Partnership, Beaumont, Texas, to 

acquire 100 percent of Crosby Bancshares, Inc., 

Crosby, Texas, and indirectly acquire Crosby 

Bancshares of Delaware, Inc., Wilmington, 

Delaware, and Crosby State Bank, Crosby, 

Texas.

CBFH, INC.

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:

CIC 10/19/2008

10/21/2008

Clyde Ray White, Clydine Covington White, 

Jarrah Reed White, all of Monroe, Louisiana; 

Larry Nolan White and Virginia Owens White, 

both of Colleyville, Texas; and Patrick Slade 

White, Huntsville, Alabama, acting in concert to 

acquire control of Ouachita Bancshares 

Corporation, Monroe, Louisiana, and indirectly 

acquire control of Ouachita Independent Bank, 

Monroe, Louisiana.

OUACHITA BANCSHARES 

CORP.

Newspaper:

Federal Register:

* 3A1 10/24/2008

10/17/2008

ST Financial Group, Inc., Montgomery, Texas, 

to become a bank holding company by 

acquiring 100 percent of Snook Bancshares, 

Inc., Snook, Texas, and indirectly acquire First 

Bank of Snook, Snook, Texas.

ST FINANCIAL GROUP, INC.

* 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 11, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 11/14/2008

10/29/2008

Notice by Fife Commercial Bank 401K ESOP to 

acquire up to 20 percent of Puget Sound 

Financial Services, Inc., both of Fife, 

Washington.

FIFE COMMERCIAL BANK 401K 

ESOP

Newspaper:

Federal Register:

4c8 Not applicable

Not available

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.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Oregon Bancorp, Inc., Salem, Oregon, to 

become a bank holding company by acquiring 

100 percent of Willamette Valley Bank, Salem, 

Oregon, and also elects to become a financial 

holding company.

OREGON BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

4c8 Not available

Wells Fargo & Company, San Francisco, 

California, to: 1) acquire Wachovia Corporation, 

Charlotte, North Carolina, pursuant to section 

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

Company Act, and to indirectly acquire its 

subsidiaries, Wachovia Bank, N.A., Charlotte, 

North Carolina, and Wachovia Bank of 

Delaware, N.A., Wilmington, Delaware; and 2) 

to engage in nonbanking activities through the 

acquisition of Wachovia Mortgage, FSB, North 

Las Vegas, Nevada, Wachovia Bank, FSB, 

Houston, Texas, and Wachovia Card Services, 

N.A., Atlanta, Georgia, pursuant to section 4(c)

(8) of the Bank Holding Company Act.

WELLS FARGO & COMPANY

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act