Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 34 

Week Ending August 23, 2008

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

Bonifay Holding Company, Inc., Bonifay, Florida -- written agreement with the 

Federal Reserve Bank of Atlanta.

- Announced, August 21, 2008

H.2 Board Actions August 17, 2008 to August 23, 2008

(A/C) = Addition or Correction Board - Page 1 of 1
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

August 17, 2008 to August 23, 2008

Bank Branches, Domestic

Bank of Hampton Roads, Norfolk, Virginia -- to establish a branch at 1635 Laskin 

Road, Virginia Beach.

Richmond

- Approved, August 20, 2008

Bank of Hawaii, Honolulu, Hawaii -- to establish an in-store branch at Safeway 

Kaneohe, 46-065 Kamehameha Avenue, Kaneohe.

San Francisco

- Approved, August 20, 2008

Comerica Bank, Dallas, Texas -- to establish branches at 425 South Mill Avenue, 

Tempe, Arizona, and 2025 West Happy Valley Road, Phoenix.

Dallas

- Approved, August 22, 2008

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 8013 West 

Florissant Avenue, Jennings, Missouri.

Cleveland

- Approved, August 22, 2008

Flagler Bank, Fort Lauderdale, Florida -- to establish a branch at 555 Northlake 

Boulevard, North Palm Beach.

Atlanta

- Approved, August 21, 2008

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

Security Bank, Pawnee, Oklahoma -- to relocate its main office from Pawnee to 

Tulsa and convert the Pawnee office to a branch.

Kansas City

- Approved, August 22, 2008

Town & Country Bank, Buffalo, Illinois -- to establish a branch at 445 North 

Franklin Street, Decatur.

Chicago

- Withdrawn, August 20, 2008

Bank Holding Companies

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga 

Springs, New York -- to acquire additional shares of 473 Broadway Holding 

Corporation, Saratoga Springs, and The Adirondack Trust Company.

Secretary

- Approved, August 20, 2008

BancIndependent, Inc., Sheffield, Alabama -- waiver of application to acquire 

Citizens Bancorp of Lawrence, Moulton, in connection with the merger of their 

respective subsidiaries, Bank Independent, Sheffield, and The Citizens Bank, 

Moulton.

Atlanta

- Withdrawn, August 22, 2008

BankCap Partners Fund I, L.P., Dallas, Texas -- to acquire shares of TriState Capital 

Holdings, Inc., Pittsburgh, Pennsylvania, and thereby acquire TriState Capital Bank.

Dallas

- Approved, August 21, 2008

H.2 Actions under delegated authority August 17, 2008 to August 23, 2008

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

FNB Shares, Inc., McConnelsville, Ohio -- waiver of application to acquire First 

National Bancshares of Nelsonville, Inc., Nelsonville, in connection with the merger 

of their respective subsidiaries, The First National Bank of McConnelsville, 

McConnelsville, and First National Bank of Nelsonville, Nelsonville.

Cleveland

- Granted, August 17, 2008

LWCBancorp, Inc., New Lenox, Illinois -- to become a bank holding company and to 

acquire Lincolnway Community Bank, New Lenox.

Chicago

- Approved, August 22, 2008

Northstar Financial Group, Inc., Bad Axe, Michigan -- to acquire Grand Haven Bank, 

Grand Haven; Kent Commerce Bank, Kentwood; Muskegon Commerce Bank, 

Muskegon; and Paragon Bank & Trust, Holland.

Chicago

- Withdrawn, August 20, 2008

Security California Bancorp, Riverside, California -- to become a bank holding 

company and to acquire Security Bank of California, Riverside.

San Francisco

- Approved, August 20, 2008

ServisFirst Bancshares, Inc., Birmingham, Alabama -- relief from a commitment.

Atlanta

- Granted, August 22, 2008

H.2 Actions under delegated authority August 17, 2008 to August 23, 2008

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

The Bank of Marion, Marion, Virginia -- to increase its investment in bank premises.

Richmond

- Approved, August 20, 2008

Banks, Foreign

Banco Santander International, Miami, Florida -- to amend its articles of association 

to increase capital stock.

New York

- Approved, August 19, 2008

Change In Bank Control

Davis Trust Financial Corporation, Elkins, West Virginia -- change in bank control.

Richmond

- Permitted, August 19, 2008

Financial Services of Saint Croix Falls, Inc., Saint Croix Falls, Wisconsin -- to retain 

control of Financial Services and its subsidiary bank, Eagle Valley Bank, National 

Association, Saint Croix.

Minneapolis

- Permitted, August 18, 2008

First Community Bancshares, Inc., Houston, Texas -- change in bank control of First 

Community and its subsidiary banks, First National Bank Texas, Killeen, and Fort 

Hood National Bank, Fort Hood.

Dallas

- Permitted, August 18, 2008

H.2 Actions under delegated authority August 17, 2008 to August 23, 2008

(A/C) = Addition or Correction Delegated - 4 of 6
Change In Bank Control

First Michigan Bancorp, Inc., Troy, Michigan -- change in bank control of First 

Michigan and its subsidiary bank, First Michigan Bank, Troy.

Chicago

- Withdrawn, August 21, 2008

FNB Financial Services, Inc., Durant, Oklahoma -- change in bank control of FNB 

and its subsidiary bank, First Texoma National Bank, Durant.

Kansas City

- Permitted, August 17, 2008

Kimberly Leasing Corporation, Augusta, Wisconsin -- change in bank control of 

Kimberly Leasing and its subsidiary bank, Unity Bank, Rush City, Minnesota.

Minneapolis

- Permitted, August 18, 2008

Riverdale Bancshares, Inc., Riverdale, Nebraska -- change in bank control of 

Riverdale and its subsidiary bank, State Bank of Riverdale, Riverdale.

Kansas City

- Permitted, August 18, 2008

Southeastern Bancshares, Inc., Broken Bow, Oklahoma -- change in bank control of 

Southeastern and its subsidiary bank, 1st Bank & Trust, Broken Bow.

Kansas City

- Permitted, August 21, 2008

H.2 Actions under delegated authority August 17, 2008 to August 23, 2008

(A/C) = Addition or Correction Delegated - 5 of 6
Change In Bank Control

Wallco, Inc., Nehawka, Nebraska -- to retain control of Wallco and its subsidiary 

bank, Nehawka Bank, Nehawka.

Kansas City

- Permitted, August 21, 2008

Extensions Of Time

Arvest Bank, Fayetteville, Arkansas -- extension to November 22, 2008, to establish 

a branch at 5311 West 6th Avenue, Stillwater, Oklahoma.

St. Louis

- Granted, August 19, 2008

ESB Bancorp, MHC, Easthampton, Massachusetts, and ESB Bancorp, Inc. -- 

extension to October 31, 2008, to become a mutual bank holding company and a 

stock bank holding company, respectively, and to acquire Easthampton Savings 

Bank, Easthampton.

Boston

- Granted, August 19, 2008

The Fauquier Bank, Warrenton, Virginia -- extension to February 28, 2009, to 

establish a branch at 15252 Washington Street, Haymarket.

Richmond

- Granted, August 21, 2008

Financial Holding Companies 

Winona Banc Holding Company, Winona, Minnesota -- election to become a 

financial holding company.

Minneapolis

- Effective, August 21, 2008

H.2 Actions under delegated authority August 17, 2008 to August 23, 2008

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

Federal Reserve Bank of Boston

Filings received during the week ending August 23, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

4c8

08/25/2008

08/29/2008

Campello Bancorp, Inc., Brockton, 

Massachusetts to acquire, pursuant to section 

3(a)(1) of the BHC Act, 100% of the voting 

shares of The Community Bank, A 

Massachusetts Co-operative Bank, Brockton, 

Massachusetts in connection with the 

conversion of Campello Bancorp, Brockton, 

Massachusetts from mutual to stock form.

Campello Bancorp, Inc.

Newspaper:

Federal Register:

* 3A1

* 3A3 Not available

Application by WebFive, MHC and WebFive 09/19/2008

Financial Services, Inc., both of Webster, 

Massachusetts - to become a mutual bank 

holding company and stock bank holding 

company, respectively, by acquiring Webster 

Five Cents Savings Bank, Webster, 

Massachusetts, pursuant to sections 3(a)(1) 

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

of 1956, as amended.

WEBFIVE 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 Fourth Quarter of 2008 (October 1, 2008 - December 31, 2008)

Institution Location

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

Federal Reserve Bank of New York

Filings received during the week ending August 23, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

Woori Bank, Seoul, Korea, to upgrade its Los 08/13/2008

Angeles agency to a branch, pursuant to 

Section 211.24(a)(1)(i)(A) of Regulation K.

WOORI BANK

* 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 Fourth Quarter of 2008 (October 1, 2008 - December 31, 2008)

Institution Location

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending August 23, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

09/19/2008

Harleysville National Corporation, Harleysville, 

PA, to acquire Willow Financial Bancorp, Inc., 

Wayne, PA.

HARLEYSVILLE NATIONAL 

CORPORATION

* 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 Fourth Quarter of 2008 (October 1, 2008 - December 31, 2008)

Institution Location

* 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 Fourth Quarter of 2008 (October 1, 2008 - December 31, 2008)

Institution Location

CITIZENS BKG CO SANDUSKY, OHIO

KILLBUCK SVGS BK CO KILLBUCK, OHIO

PORTAGE CMNTY BK RAVENNA, OHIO

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

Federal Reserve Bank of Richmond

Filings received during the week ending August 23, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The Bank of Marion, Marion, Virginia, proposes 09/08/2008

to establish a branch at 2975 Lee Highway, 

Bristol, Virginia.

BANK OF MARION, THE

Newspaper:

Federal Register:

* Branch Not available

Not applicable

The Fauquier Bank, Warrenton, Virginia, 

proposes to establish a branch at 10250 Bristow 

Center Drive, Bristow, Virginia.

FAUQUIER BANK, THE

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Fourth Quarter of 2008 (October 1, 2008 - December 31, 2008)

Institution Location

BANK OF CLARKE CTY BERRYVILLE, VIRGINIA

BENCHMARK CMNTY BK KENBRIDGE, VIRGINIA

CITIZENS B&TC BLACKSTONE, VIRGINIA

CONGRESSIONAL BK POTOMAC, MARYLAND

FIRST VA CMNTY BK FAIRFAX, VIRGINIA

MIDDLEBURG BK MIDDLEBURG, VIRGINIA

PEOPLES CMNTY BK MONTROSS, VIRGINIA

PUTNAM CTY BK HURRICANE, WEST VIRGINIA

WACCAMAW BK WHITEVILLE, NORTH CAROLINA

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

Federal Reserve Bank of Atlanta

Filings received during the week ending August 23, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

09/09/2008

Banco de Sabadell, S.A., Sabadell, Spain, and its 

subsidiary, TransAtlantic Holding Corp., Miami, 

Florida, to engage de novo in making, acquiring, 

brokering or servicing loans or other extensions 

of credit, through a newly-formed subsidiary, 

Interstate Property Holdings, LLC, Miami, 

Florida.

BANCO DE SABADELL, S.A.

Newspaper:

Federal Register:

* Branch

Not applicable

Palm Beach Community Bank, Boynton Beach, 09/04/2008

Florida to establish a branch located at 7300 

Lake Worth Road, Lake Worth, Florida.

PALM BEACH COMMUNITY 

BANK

Newspaper:

Federal Register:

* 3A1 Not available

09/18/2008

Piedmont Bancorp, Inc., Norcross, Georgia, to 

become a bank holding company by acquiring 

100 percent of the outstanding shares of First 

Choice Community Bank 1874, Newnan, 

Georgia.

PIEDMONT BANCORP, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

SunTrust Bank, Atlanta, Georgia, to purchase 

certain assets and assume certain deposits and 

other liabilities of six branches of First Priority 

Bank, Bradenton, Florida.

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 Fourth Quarter of 2008 (October 1, 2008 - December 31, 2008)

Institution Location

CITIZENS TR BK ATLANTA, GEORGIA

FRANKLIN SYNERGY BK FRANKLIN, TENNESSEE

INSBANK NASHVILLE, TENNESSEE

MARINE BK MARATHON, FLORIDA

ORION BK NAPLES, FLORIDA

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 23, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

City State Bank, Ogden, Iowa, to merge with 

Ames Community Bank, Ames, Iowa, and 

Community Bank of Boone, Boone, Iowa, and 

thereby to establish branch offices at 217 West 

Mulberry Street, Ogden, Iowa, and 104 

Chestnut, Ames, Iowa.

CITY STATE BANK

Newspaper:

Federal Register:

* Branch

Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 08/25/2008

Wisconsin, to establish two branch facilities to 

be located at Hwy 152 and North Flintlock Road, 

Kansas City, Missouri, and Moorland 

Boulevard and National Avenue, New Berlin, 

Wisconsin.

M&I MARSHALL & ILSLEY 

BANK

Newspaper:

Federal Register:

* 3A5 Not available

Not available

SBA Bancorp, Inc., Ashland, Illinois, to merge 

with First Beardstown Bancorp, Inc., 

Beardstown, Illinois, and thereby indirectly 

acquire First State Bank of Beardstown, 

Beardstown, Illinois.

SBA 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 Fourth Quarter of 2008 (October 1, 2008 - December 31, 2008)

Institution Location

1ST SOURCE BK SOUTH BEND, INDIANA

BANK OF IL NORMAL, ILLINOIS

BANK OF PONTIAC PONTIAC, ILLINOIS

BANK OF RANTOUL RANTOUL, ILLINOIS

CITIZENS BK FLINT, MICHIGAN

COLE TAYLOR BK CHICAGO, ILLINOIS

F&M BK-IA MARSHALLTOWN, IOWA

FARMERS & MRCH SVG BK MANCHESTER, IOWA

FIRST BK MANHATTAN MANHATTAN, ILLINOIS

HEDRICK SVG BK OTTUMWA, IOWA

HSBC NORTH AMER HOLD METTAWA, ILLINOIS

JOHNSON BK RACINE, WISCONSIN

M&I MARSHALL & ILSLEY BK MILWAUKEE, WISCONSIN

MAQUOKETA ST BK MAQUOKETA, IOWA

NORTHBROOK B&TC NORTHBROOK, ILLINOIS

PORT BYRON ST BK PORT BYRON, ILLINOIS

RUSHVILLE ST BK RUSHVILLE, ILLINOIS

SALIN B&TC INDIANAPOLIS, INDIANA

WHEATON B&TC WHEATON, ILLINOIS

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

Federal Reserve Bank of St. Louis

Filings received during the week ending August 23, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 09/02/2008

establish a branch facility to be located at 2251 

North 9th Street, Broken Arrow, Oklahoma.

ARVEST BANK

Newspaper:

Federal Register:

* 3A1

Not available

Springfield Bancshares, Inc., Springfield, 09/18/2008

Missouri, to become a bank holding company 

by acquiring 100 percent of Springfield First 

Community Bank, Springfield, Missouri (in 

organization).

SPRINGFIELD BANCSHARES, 

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 Fourth Quarter of 2008 (October 1, 2008 - December 31, 2008)

Institution Location

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending August 23, 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 Fourth Quarter of 2008 (October 1, 2008 - December 31, 2008)

Institution Location

AMERICAN BK BOZEMAN, MONTANA

AMERICAN ST BK OF PIERRE PIERRE, SOUTH DAKOTA

FIRST BK BLUE EARTH BLUE EARTH, MINNESOTA

GLACIER BK KALISPELL, MONTANA

SECURITY FNCL BK DURAND, WISCONSIN

VALLEY BK OF HELENA HELENA, MONTANA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending August 23, 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:

* Branch

Not applicable

Community Banks of Colorado, Greenwood 08/22/2008

Village, Colorado, to establish a branch at 320 

Main Street, Suite 100, Carbondale, Colorado.

COMMUNITY BANKS OF 

COLORADO

Newspaper:

Federal Register:

* 3A3

Not available

Everest Bancshares, Inc, Everest, Kansas, to 09/10/2008

acquire 100 percent of the voting shares of 

Gower Bancshares, Inc., parent of Bank of 

Gower, both in Gower, Missouri.

EVEREST BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 09/09/2008

09/08/2008

First Western Financial, Inc., Denver, Colorado, 

to acquire 100 percent of the voting shares of 

First Western Trust Bank of Arizona, 

Scottsdale, Arizona (in organization).

FIRST WESTERN FINANCIAL, 

INC.

Newspaper:

Federal Register:

CIC 08/26/2008

08/21/2008

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 Schifferdecker, Girard, 

Kansas, all as 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; 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.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice submitted by O. Gene Bicknell, 

Englewood, Florida, as an individual and as part 

of the Bicknell Family Group; Martin C. Bicknell, 

Bucyrus, Kansas, as an individual and as part of 

the Bicknell Family Group; and Cherona L. 

Bicknell, Bucyrus, Kansas, as part of the 

Bicknell Family Group; to retain control of Team 

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

in Paola, Kansas.

TEAM FINANCIAL, INC.

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

Federal Reserve Bank of Kansas City

Filings received during the week ending August 23, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/09/2008

Notice submitted by Steven J. Buchanan, 

Omaha, Nebraska, as a member of Wilber Co. 

Voting Trust, to retain control of Wilber Co., 

both of Wilber, Nebraska, parent of First State 

Bank, Lincoln, Nebraska.

WILBER CO.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Fourth Quarter of 2008 (October 1, 2008 - December 31, 2008)

Institution Location

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

Filings received during the week ending August 23, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Bank of the West, El Paso, Texas, to establish a 

branch to be located at 425 Redd Road, El Paso, 

Texas 79912.

BANK OF THE WEST

Newspaper:

Federal Register:

CIC Not available

09/02/2008

Notice by Mr. Michael Scott Anderson, Dallas, 

Texas, to own an interest in FVNB Corp., 

Victoria, Texas, and indirectly acquire First 

Victoria National Bank, Victoria, Texas.

FVNB CORP.

Newspaper:

Federal Register:

* 3A3

* 3A1

09/11/2008

09/15/2008

MOW/RPW Holdings II, LLC, and MOW/RPW 

II, Ltd., both of Victoria, Texas, to acquire up to 

21.11 percent of FVNB Corp, Victoria, Texas, 

and indirectly, FVNB Delaware Corp., 

Wilmington, Delaware and First Victoria 

National Bank, Victoria, Texas.

MOW/RPW II, LTD.

Newspaper:

Federal Register:

* Branch

Not applicable

Southwest Bank, Fort Worth, Texas, to relocate 08/30/2008

its main office from 3737 S.W. Loop 820, Fort 

Worth, Texas 76133 to 4100 International Plaza, 

Suite 900, Fort Worth, Texas 76109.Southwest 

Bank also intends to establish a branch office at 

its former main office at 3737 S. W. Loop 820, 

Fort worth, Texas 76133.

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 Fourth Quarter of 2008 (October 1, 2008 - December 31, 2008)

Institution Location

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

Federal Reserve Bank of San Francisco

Filings received during the week ending August 23, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/25/2008

Notice by Russell Goldsmith, individually, and 

as part of a family group, including the Bram & 

Elaine Goldsmith Family Trust, the Elaine 

Goldsmith Revocable Trust, the Bruce Leigh 

Goldsmith Revocable Trust, the Goldsmith 

Family Partnership, the Goldsmith Family 

Foundation, and other related family trusts, 

partnerships, and foundations, to retain control 

and to acquire additional shares of City National 

Corporation, and thereby indirectly its 

subsidiary, City National Bank, both of Beverly 

Hills, California.

CITY NATIONAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 09/19/2008

09/05/2008

Global Bancorp to become a bank holding 

company by acquiring 100 percent of Global 

Trust Bank, both of Mountain View, California.

GLOBAL BANCORP

Newspaper:

Federal Register:

4c8 Not applicable

Not available

NHB Holdings, Inc., and Proficio Mortgage 

Ventures, LLC, to engage de novo in a joint 

venture with Mainsail Capital and Trinity 

Venture Partners, all of Jacksonville, Florida, in 

conducting mortgage banking activities, 

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

Company Act and section 225.25(b)(1) of 

Regulation Y.

NHB HOLDINGS, INC.

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Fourth Quarter of 2008 (October 1, 2008 - December 31, 2008)

Institution Location

BANK OF SACRAMENTO SACRAMENTO, CALIFORNIA

COMMUNITY FIRST BK PRINEVILLE, OREGON

PRESIDIO BK SAN FRANCISCO, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act