Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 40 

Week Ending October 4, 2008

Board of Governors of the Federal Reserve System, Washington, DC 20551
Monetary and Financial Policy

Term Auction Facility -- increase in the size of the 84-day maturity TAF auctions 

from $25 billion to $75 billion, beginning with the auction on October 6, 2008, and 

establishment of forward TAF auctions to provide term funding over year-end.

- Announced, September 29, 2008

Enforcement

Bank of Romney, Romney, West Virginia -- issuance of a consent order of 

assessment of a civil money penalty.

- Announced, September 29, 2008

Compass Bank, Birmingham, Alabama -- issuance of a consent order of prohibition 

against Donald W. Linville, a former senior vice president and institution-affiliated 

party.

- Announced, September 29, 2008

Hinsbrook Bank & Trust, Oakbrook, Illinois -- issuance of a consent order of 

prohibition against John H. Lohmeier, a former senior vice president, trust officer, 

and institution-affiliated party.

- Announced, October 2, 2008

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

UFJ, Ltd.; and its New York branch -- written agreement dated December 18, 2006, 

terminated September 29, 2008.

- Announced, October 1, 2008

Warren Bancorp, Inc., Warren, Michigan, and Warren Bank -- written agreement 

with the Federal Reserve Bank of Chicago and the Michigan Office of Financial and 

Insurance Regulation.

- Announced, October 1, 2008

H.2 Board Actions September 28, 2008 to October 4, 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

September 28, 2008 to October 4, 2008

Bank Branches, Domestic

Comerica Bank, Dallas, Texas -- to establish a branch at 1301 East 14th Street, San 

Leandro, California.

Dallas

- Approved, September 30, 2008

LegacyTexas Bank, Plano, Texas -- to establish a branch at 4601 West Freeway, Fort 

Worth.

Dallas

- Approved, October 1, 2008

Ohio Heritage Bank, Coshocton, Ohio -- to establish a branch at 1309 Fourth Street, 

Northwest, New Philadelphia.

Cleveland

- Approved, October 1, 2008

Orion Bank, Naples, Florida -- to establish a branch at 4280 Professional Center 

Way, Palm Beach Gardens.

Atlanta

- Approved, October 2, 2008

Providence Bank, Columbia, Missouri -- to establish a branch at 8 North 5th Street, 

Columbia.

St. Louis

- Approved, October 1, 2008

(A/C) = Addition or Correction Delegated - 1 of 4
Bank Holding Companies

FBOP Corporation, Oak Park, Illinois -- to acquire convertible subordinated debt of 

Community Bank of Lemont, Lemont, and thereby increase its ownership in the 

bank.

Chicago

- Approved, September 30, 2008

First Trust Corporation, New Orleans, Louisiana -- to acquire Globe Bancorp, Inc., 

Metairie, and its subsidiary savings bank, Globe Homestead Savings Bank, FSA, and 

thereby engage in operating a savings association.

Atlanta

- Withdrawn, October 3, 2008

Change In Bank Control

Alfalfa County Bancshares, Inc., Cherokee, Oklahoma -- change in bank control of 

Alfalfa, parent company of ACB Bank, Cherokee.

Kansas City

- Permitted, September 30, 2008

Farmers Bancorp, Inc., Lynchburg, Tennessee -- change in bank control of Farmers 

and its subsidiary bank, Farmers Bank of Lynchburg, Lynchburg.

Atlanta

- Permitted, September 29, 2008

New Richmond Bancorporation, New Richmond, Ohio -- change in bank control of 

New Richmond, parent company of Riverhills Bank, Milford.

Cleveland

- Permitted, October 1, 2008

H.2 Actions under delegated authority September 28, 2008 to October 4, 2008

(A/C) = Addition or Correction Delegated - 2 of 4
Extensions Of Time

Greenfield Bancorp, MHC, Greenfield, Massachusetts -- extension to January 1, 

2009, to acquire Greenfield Co-operative Bank, Greenfield, in connection with the 

reorganization of Greenfield Bancorp, MHC, from mutual to stock form.

Boston

- Granted, September 29, 2008

Prairieland Bancorp Employee Stock Ownership Plan and Trust, Bushnell, Illinois -- 

extension to January 9, 2009, to increase its ownership of Prairieland Bancorp, Inc., 

Bushnell, and thereby indirectly increase its ownership of Farmers and Merchants 

State Bank of Bushnell.

Chicago

- Granted, September 29, 2008

San Joaquin Bank, Bakersfield, California -- extension to October 3, 2009, to 

establish a branch at Panama Lane and Stine Road, Bakersfield.

San Francisco

- Granted, September 30, 2008

Tennessee State Bank, Pigeon Forge, Tennessee -- extension to September 19, 2009, 

to establish a branch at 11470 Parkside Drive, Knoxville.

Atlanta

- Granted, October 1, 2008

Financial Holding Companies 

FCB Financial Services, Inc., Marion, Arkansas -- election to become a financial 

holding company.

St. Louis

- Effective, October 3, 2008

H.2 Actions under delegated authority September 28, 2008 to October 4, 2008

(A/C) = Addition or Correction Delegated - 3 of 4
Membership

Abington Bank, Abington, Massachusetts -- to become a member of the Federal 

Reserve System.

Boston

- Approved, October 2, 2008

Regulations And Policies

Regulation D -- final rule implementing the annual indexing of the low reserve 

tranche, reserve requirement exemption amount, nonexempt deposit cutoff level, and 

reduced reporting limit for 2009. 

Director, MA

- Approved, September 25, 2008

(A/C)

H.2 Actions under delegated authority September 28, 2008 to October 4, 2008

(A/C) = Addition or Correction Delegated - 4 of 4
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending October 4, 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

 149271 NORTHAMPTON CO-OP BK, NORTHAMPTON, MASSACHUSETTS 05/19/2008 09/19/2008 S Small Bank

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 4, 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

Not available

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

five insured depository institution subsidiaries 

of Wachovia Corporation, Charlotte, North 

Carolina: Wachovia Bank, National Association, 

Charlotte, North Carolina; Wachovia Bank of 

Delaware, National Association, Wilmington, 

Delaware; Wachovia Card Services, National 

Association, Atlanta, Georgia; Wachovia 

Mortgage, FSB, Las Vegas, Nevada; and 

Wachovia Bank, FSB, Houston, Texas, pursuant 

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

thereby operate a savings association, pursuant 

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

CITIGROUP INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

ICICI Bank Limited, Mumbai, India, to establish 

representative offices in San Francisco and Los 

Angeles, California; Atlanta, Georgia; Chicago, 

Illinois; Edison, New Jersey; Houston, Texas 

and Washington D.C., pursuant to Section 

211.24(a)(2)(i)(B)(2) of Regulation K.

ICICI BANK LIMITED

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

JPMorgan Chase & Co.,New York, New York, 

requests a waiver from the aggregate 

investment limit provided in Section 211.9(b)(6) 

of Regulation K for investments undertaken as 

part of an internal reorganization involving 

certain Australia-based subsidiaries.

JPMORGAN CHASE & CO.

* 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

 910118 TIOGA ST BK, SPENCER, NEW YORK 03/10/2008 09/08/2008 S Int Sm Bank

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 4, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 10/31/2008

10/31/2008

Riverview Financial Corporation (In 

Organization) Halifax, PA, to acquire First Perry 

Bancorp, Inc., Marysville, PA, and HNB 

Bancorp, Inc., Halifax, PA. The consolidation of 

holding companies will result in the merger of 

the two wholly-owned subsidiaries, The First 

National Bank of Marysville, Marysville, PA, 

and Halifax National Bank, Halifax, PA, 

subsequently forming Riverview National Bank, 

Halifax, PA

RIVERVIEW FINANCIAL 

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 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 4, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Premises Not applicable

Notice by The Richwood Banking Company, 10/07/2008

Richwood, OH to establish a branch at 4848 

Napoleon Street, Huntsville, OH and request for 

permission to exceed its limit of investment in 

premises.

RICHWOOD BANKING 

COMPANY, INC., THE

* 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

 213912 APPLE CREEK BKG CO, APPLE CREEK, OHIO 07/07/2008 09/19/2008 S Small Bank

 2836306 BUCKEYE CMNTY BK, LORAIN, OHIO 06/23/2008 09/26/2008 S Small Bank

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 4, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Anson Bank & Trust Co., Wadesboro, North 

Carolina, to become a member of the Federal 

Reserve system.

ANSON BANK & TRUST CO.

Newspaper:

Federal Register:

* 4c8 Not available

Not available

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.

BANK OF AMERICA 

CORPORATION

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Bank of Stanly, Albemarle, North Carolina, to 

become a member of the Federal Reserve 

system.

BANK OF STANLY

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Cabarrus Bank & Trust Company, Concord, 

North Carolina, to become a member of the 

Federal Reserve system.

CABARRUS BANK & TRUST 

COMPANY

Newspaper:

Federal Register:

* 3A1 Not available

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:

* 18C Not available

Not applicable

Shore Bank, Onley, Virginia, proposes to 

acquire certain assets and assume certain 

liabilities of the Salisbury, Maryland, branch 

office of Chevy Chase Bank, FSB, McLean, 

Virginia.

SHORE BANK

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Wachovia Bank, National Association, 

Charlotte, North Carolina, requests approval to 

make an investment through its Edge Act 

subsidiary, Wachovia International Banking 

Corporation, in Wachovia Real Estate, Korea, 

Inc., Seoul, South Korea.

WACHOVIA BANK, NATIONAL 

ASSOCIATION

* 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 4, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

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

Guatemala City, Guatemala, to establish a 

representative office located in Miami, Florida.

BANCO DE DESARROLLO 

RURAL, S.A.

Newspaper:

Federal Register:

* 3A1 Not available

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:

CIC 10/13/2008

10/15/2008

Prior change in control notice filed by Mr. James 

C. France, Daytona Beach, Florida, to acquire 

voting control of up to 72 percent of the 

combined voting power of the outstanding 

shares of common stock and shares of newly 

designated preferred stock of CenterBank, Inc., 

and its subsidiary, Centerbank of Jacksonville, 

N.A., both of Jacksonville, Florida.

CENTERBANK, INC.

Newspaper:

Federal Register:

* 3A5 10/29/2008

10/17/2008

First National Bankers Bankshares, Inc., Baton 

Rouge, Louisiana, to merge with Arkansas 

Bankers Bancorporation, Inc., and thereby 

aquire its subsidiary, Arkansas Bankers Bank, 

both of Little Rock, Arkansas.

FIRST NATIONAL BANKERS 

BANKSHARES, INC.

Newspaper:

Federal Register:

CIC 10/24/2008

10/20/2008

Prior change in control filed by Mark Allen 

Conner, Canton, Georgia, to acquire an 

additional 38.1 percent of the outstanding 

shares of FirstCity Bancorp, Inc., and its 

subsidiary, FirstCity Bank, both of Stockbridge, 

Georgia. Pro forma will equal 58.5 percent.

FIRSTCITY BANCORP, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Florida Bank, Tampa, Florida, to merge with 

Florida Bank of Sarasota, Sarasota, Florida.

FLORIDA BANK

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Floridian Financial Group, Inc., Lake Mary, 

Florida to acquire 51 percent of the outstanding 

shares of FBC Mortgage, LLC, Orlando, Florida, 

and thereby engage in making, acquiring, 

brokering, or servicing loans or other extensions 

of credit.

FLORIDIAN FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

CIC 10/21/2008

10/21/2008

Prior change in control notice filed by Delmo R. 

Payne and Wilmuth Payne, both of Hamiltion, 

Alabama, to acquire an additional 3.20 percent 

of the outstanding shares of Hometown 

Bancshares, Inc., Hamilton, Alabama. Total pro 

forma will equal 11.15 percent.

HOMETOWN BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC 10/21/2008

10/21/2008

Prior change in control notice filed by Gerald 

Terrell, Faye Terrell, Donald L. Terrell, and 

Danny Terrell, all of Hamilton, Alabama, Audrey 

Garrett and William Garrett, Birmingham, 

Alabama, to acquire an additional 3.20 percent 

of the outstanding shares of Hometown 

Bancshares, Inc., and PeoplesTrust Bank, both 

of Hamilton, Alabama. Total pro forma will 

equal 11.96 percent.

HOMETOWN BANCSHARES, 

INC.

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

Federal Reserve Bank of Atlanta

Filings received during the week ending October 4, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

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:

* 3A1 10/31/2008

11/03/2008

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

Riverside Bank of the Gulf Coast, Cape Coral, 10/22/2008

Florida, to establish a branch located at 7371 

College Parkway, Ft. Myers, Florida.

RIVERSIDE BANK OF THE GULF 

COAST

Newspaper:

Federal Register:

* 3A1 10/22/2008

10/20/2008

Riverside Florida Holding Company, Cape Coral, 

Florida, to become a bank holding company by 

acquiring 100 percent of the outstanding shares 

of Riverside Bank of the Gulf Coast, Cape Coral, 

Florida.

RIVERSIDE FLORIDA HOLDING 

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 10/12/2008

branch located at 1451 Ritchie Highway, Arnold, 

Maryland, to be known as the Arnold Safeway 

Branch.

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

 3342671 ANCHOR CMRL BK, JUNO BEACH, FLORIDA 05/12/2008 08/28/2008 S Small Bank

 3560783 CAPITALMARK B&T, CHATTANOOGA, TENNESSEE 05/05/2008 08/25/2008 S Small Bank

 497039 COMMERCIAL BK, HARROGATE, TENNESSEE 03/31/2008 08/07/2008 O Int Sm Bank

 3546899 TRISUMMIT BK, KINGSPORT, TENNESSEE 04/21/2008 08/11/2008 S Small Bank

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 4, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Commerical Savings Bank, Carroll, Iowa, to 

become a member of the Federal Reserve 

System.

COMMERCIAL SAVINGS BANK

Newspaper:

Federal Register:

* 3A3 Not available

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:

4c8 Not applicable

Not available

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.

Newspaper:

Federal Register:

* Branch

Not applicable

Midwest Bank and Trust Company, Elmwood 10/13/2008

Park, Illinois, to establish a branch facility to be 

located at 500 West Monroe Street, Chicago, 

Illinois.

MIDWEST BANK AND TRUST 

COMPANY

Newspaper:

Federal Register:

* 4c8 10/12/2008

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 association.

PRIVATEBANCORP, 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

 596848 AMERICAN T&SB, DUBUQUE, IOWA 05/19/2008 09/22/2008 S Int Sm Bank

 3348057 COMMUNITY FIRST BK CHICAGO, CHICAGO, ILLINOIS 04/21/2008 09/09/2008 S Small Bank

 210434 NORTHERN TC, CHICAGO, ILLINOIS 05/05/2008 09/22/2008 O Large Bank

 595430 STATE BK THE LAKES, ANTIOCH, ILLINOIS 05/05/2008 09/12/2008 S Large Bank

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 4, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 677644 FARMERS & MERCHANTS BK, STUTTGART, ARKANSAS 06/16/2008 09/16/2008 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending October 4, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 10/22/2008

10/24/2008

BHCB Holding Company, Rapid City, South 

Dakota, to become a bank holding company by 

acquiring 100 percent of Black Hills Community 

Bank, N.A., Rapid City, South Dakota, a de 

novo bank.

BHCB HOLDING COMPANY

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Bryant Bancshares, Inc., Bryant, South Dakota, 

requests retroactive approval to acquire 100% 

of Community Insurance, LLC, Bryant, South 

Dakota, and thereby indirectly engage in 

insurance agency activities, in a place with a 

population not exceeding 5,000.

BRYANT BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 10/12/2008

10/17/2008

Glacier Bancorp, Inc., Kalispell, Montana, to 

acquire 100 percent of the voting shares of Bank 

of the San Juans Bancorporation, Durango, 

Colorado, and thereby indirectly acquire Bank 

of the San Juans, Durango, Colorado.

GLACIER BANCORP, INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending October 4, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

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

* 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

 1421161 BANK OF BLUE VALLEY, OVERLAND PARK, KANSAS 06/02/2008 09/12/2008 S Int Sm Bank

 3120897 HERITAGE BK, TOPEKA, KANSAS 06/02/2008 09/03/2008 S Small Bank

 24453 ROCKY MNT BK, ROCK SPRINGS, WYOMING 06/23/2008 09/25/2008 S Small Bank

 94755 SUNDANCE ST BK, SUNDANCE, WYOMING 05/05/2008 07/24/2008 S Small Bank

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 4, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas, to establish 5 

branches at the following locations: 2626 El 

Camino Real, Carlsbad, California 92008; 39008 

Paseo Padre Parkway, Fremont, California 94538; 

635 S. Hobart Blvd., Los Angeles, California 

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

California 90803; and 600 Main Street, 

Pleasanton, California 94566.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 10/23/2008

10/20/2008

First Artesia Bancshares, Inc., Artesia, New 

Mexico, to acquire by merger 100 percent of 

AmFin Holding Company, Silver City, New 

Mexico, and indirectly acquire AmBank, Silver 

City, New Mexico.

FIRST ARTESIA BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

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 Not available

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 4, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

4c8 Not available

Mitsubishi UFJ Financial Group, Inc., Tokyo, 

Japan, to: 1) acquire up to 24.9 percent of 

Morgan Stanley, New York, New York, and 

indirectly its subsidiaries, Morgan Stanley 

Capital Management LLC, New York, New York, 

Morgan Stanley Domestic Holdings, Inc., New 

York, New York, and Morgan Stanley Bank, 

N.A., Salt Lake City, Utah, pursuant to section 

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

2) to acquire indirect ownership of the voting 

shares of Morgan Stanley Trust, Jersey City, 

New Jersey, and Morgan Stanley Trust, N.A., 

Wilmington, Delaware, pursuant to section 4(c)

(8) of the Bank Holding Company Act.

MITSUBISHI UFJ FINANCIAL 

GROUP, INC.

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 808167 NORTH VALLEY BK, REDDING, CALIFORNIA 04/28/2008 09/17/2008 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act