Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 33 

Week Ending August 16, 2008

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

C-B-G, Inc., West Liberty, Iowa -- to increase its interest in Washington Bancorp, 

Washington, and its subsidiary, Federation Bank, to more than 50 percent.

- Approved, August 13, 2008

Forms

Forms -- final Board review to extend without revision the Notifications Related to 

Community Development and Public Welfare Investments of State Member Banks 

(FR H-6) and to extend with revision the System membership (FR 2083-2083C) and 

Federal Reserve Bank stock applications (FR 2056, FR 2086a, FR 2030, FR 2030a, 

FR 2086, and FR 2087), Report of Changes in Organizational Structure (FR Y-10), 

Annual Report of Bank Holding Companies (FR Y-6), and Annual Report of Foreign 

Banking Organizations (FR Y-7).

- Approved, August 12, 2008

Monetary and Financial Policy

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

on August 11, 2008.

- Announced, August 11, 2008

Term Auction Facility -- TAF auction in the amount of $50 billion in 28-day credit 

on August 12, 2008.

- Announced, August 12, 2008

H.2 Board Actions August 10, 2008 to August 16, 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 10, 2008 to August 16, 2008

Bank Branches, Domestic

LandMark Bank of Florida, Sarasota, Florida -- to establish a branch at 1951 Honore 

Avenue, Sarasota.

Atlanta

- Approved, August 14, 2008

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

branch at 1829 Reisterstown Road, Pikesville, Maryland.

Secretary

- Approved, August 13, 2008

Old Southern Bank, Orlando, Florida -- to establish a branch at 2491 West State 

Road 434, Longwood.

Atlanta

- Approved, August 14, 2008

PlainsCapital Bank, Lubbock, Texas -- to establish a branch at 701 East Road to Six 

Flags, Arlington.

Dallas

- Approved, August 11, 2008

Union Bank and Trust Company, Bowling Green, Virginia -- to establish a branch at 

9611 Jefferson Davis Highway, Fredericksburg.

Richmond

- Approved, August 13, 2008

(A/C) = Addition or Correction Delegated - 1 of 6
Bank Holding Companies

Atlantic Southern Financial Group, Inc., Macon, Georgia -- relief from a 

commitment.

Atlanta

- Withdrawn, August 13, 2008

Community Bancshares of Mississippi, Inc. Employee Stock Ownership Plan, 

Brandon, Mississippi -- to acquire additional shares of Community Bancshares of 

Mississippi, Inc., Brandon, and thereby indirectly acquire additional shares in its 

subsidiaries: Community Bank of North Mississippi, Amory; Community Bank of 

Mississippi, Forest; Community Bank, Ellisville, Ellisville; Community Bank Coast, 

Biloxi; Community Bank, N.A., Memphis, Tennessee; and Community Holding 

Company of Alabama, Brandon, Mississippi, and its subsidiary, Community Bank, 

N.A., Mobile, Alabama.

Atlanta

- Approved, August 13, 2008

Guthrie County Bancshares, Inc., Guthrie Center, Iowa -- to acquire Guthrie County 

Abstract Company, Guthrie Center, and Beverly Wild Abstracting, Inc. and thereby 

engage in real estate title abstracting.

Chicago

- Approved, August 12, 2008

Hometown Community Bancorp, Inc., Morton, Illinois, and Hometown Community 

Bancorp Employee Stock Ownership Plan and Trust -- to merge with Alpha Financial 

Group, Inc., Toluca, and Alpha Financial Group, Inc. Employee Stock Ownership 

Plan and thereby acquire Alpha Community Bank, and for Morton Community Bank, 

Morton, to merge with Alpha Community Bank, Toluca, and thereby establish four 

branches.

Chicago

- Approved, August 15, 2008

H.2 Actions under delegated authority August 10, 2008 to August 16, 2008

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

LeaderOne National, Inc., Overland Park, Kansas -- to become a bank holding 

company and to acquire Signature Bank KC, Haddam, and to acquire LeaderOne 

Financial Corporation, Overland Park, and thereby engage in mortgage banking. 

Kansas City

- Withdrawn, August 14, 2008

Lincoln Holding Company, Lincoln, Montana -- to become a bank holding company 

and to acquire First Bank of Lincoln, Lincoln.

Minneapolis

- Withdrawn, August 13, 2008

NATCOM Bancshares, Inc., Superior, Wisconsin -- to acquire Superior 

Bancorporation, Ltd., Superior, and thereby acquire Community Bank.

Secretary

- Approved, August 12, 2008

WebFive, MHC, Webster, Massachusetts, and WebFive Financial Services, Inc. -- to 

become a mutual bank holding company and a stock bank holding company, 

respectively, and to acquire Webster Five Cents Savings Bank, Webster.

Boston

- Withdrawn, August 14, 2008

Bank Mergers

Citizens Security Bank & Trust Company, Bixby, Oklahoma -- to merge with The 

Bank of Commerce, Wetumka, and thereby establish a branch.

Kansas City

- Approved, August 11, 2008

H.2 Actions under delegated authority August 10, 2008 to August 16, 2008

(A/C) = Addition or Correction Delegated - 3 of 6
Change In Bank Control

Perry Banking Company, Inc., Perry, Florida -- to retain control of Perry Banking 

and its subsidiary bank, Citizens State Bank, Perry.

Atlanta

- Permitted, August 15, 2008

Texas American Acquisition Group, Inc., Fort Worth, Texas -- change in bank 

control of Texas American and its subsidiary bank, Liberty Bank, North Richland 

Hills.

Dallas

- Permitted, August 11, 2008

Wilcox Bancshares, Inc., Grand Rapids, Minnesota -- change in bank control of 

Wilcox Bancshares and its subsidiary bank, Grand Rapids State Bank, Grand Rapids.

Minneapolis

- Permitted, August 13, 2008

Extensions Of Time

Castle Creek Capital Partners III, L.P., Rancho Santa Fe, California; Castle Creek 

Capital III LLC; Eggemeyer Capital LLC; Ruh Capital LLC, and Legions IV 

Advisory Corp. -- extension to November 26, 2008, to increase their ownership of 

Atlanta Bancorporation, Atlanta, Georgia, and its subsidiary, Bank of Atlanta FSB.

San Francisco

- Granted, August 13, 2008

H.2 Actions under delegated authority August 10, 2008 to August 16, 2008

(A/C) = Addition or Correction Delegated - 4 of 6
Extensions Of Time

Castle Creek Capital Partners III, L.P., Rancho Santa Fe, California; Castle Creek 

Capital III LLC; Eggemeyer Capital LLC; Ruh Capital LLC; and Legions IV 

Advisory Corp. -- extension to November 16, 2008, to acquire shares of Centennial 

Bank Holdings, Inc., Denver, Colorado, and its subsidiary, Guaranty Bank and Trust 

Company.

San Francisco

- Granted, August 13, 2008

Financial Holding Companies 

Integrity Bancshares, Inc., Camp Hill, Pennsylvania -- election to become a financial 

holding company.

Philadelphia

- Effective, August 14, 2008

Poteau BancShares, Inc., Poteau, Oklahoma, and First Poteau Corporation -- election 

to become financial holding companies.

Kansas City

- Effective, August 14, 2008

International Operations

Bank of America, National Association, Charlotte, North Carolina -- for its London 

branch to establish two Cayman Islands subsidiaries, BofA AF Holding and Prime 

Brokerage Limited.

Director, BS&R

- Approved, August 15, 2008

H.2 Actions under delegated authority August 10, 2008 to August 16, 2008

(A/C) = Addition or Correction Delegated - 5 of 6
International Operations

The Huntington National Bank, Columbus, Ohio; Huntington Trade Services, Inc.; 

and Huntington Trade Services, Asia, Limited, Hong Kong SAR, People's Republic 

of China -- relief from a commitment.

Director, BS&R

- Granted, August 15, 2008

Regulations And Policies

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

check processing operations in the Cleveland Reserve District.

Secretary

- Approved, August 11, 2008

H.2 Actions under delegated authority August 10, 2008 to August 16, 2008

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

Federal Reserve Bank of Boston

Filings received during the week ending August 16, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 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.

* Subject to the provisions of the Community Reinvestment Act
District: 1

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending August 16, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Bank of New York Mellon Corporation ("BNY 

Mellon"), New York, New York, on behalf of its 

subsidiary, Mellon Overseas Investment 

Corporation ("MOIC"), Greenville, Delaware, 

pursuant to Section 211.9(f) of Regulation K, to 

make an additional investment in Mellon 

Servicos Financieros Distribuidore de Titulos e 

Valores Mobiliarios S.A., Rio de Janiero, Brazil.

BANK OF NEW YORK MELLON 

CORPORATION, THE

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Woori Bank, Seoul, Korea, to upgrade its Los 

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 Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending August 16, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Luzerne Bank, Luzerne, PA, to establish a 08/28/2008

branch office located Routes 118 and 415, 

Dallas, PA.

LUZERNE BANK

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 4

Federal Reserve Bank of Cleveland

Filings received during the week ending August 16, 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

 783910 NORTH VALLEY BK, ZANESVILLE, OHIO 05/05/2008 08/05/2008 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 August 16, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Bank of America Corporation, Charlotte, North 

Carolina, to make an investment in a foreign 

organization pursuant to Section 211.9(b)(3) of 

Regulation K.

BANK OF AMERICA 

CORPORATION

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

The Bank of Marion, Marion, Virginia, to 

increase its investment in bank premises.

BANK OF MARION, THE

Newspaper:

Federal Register:

* Branch

Not applicable

John Marshall Bank, Falls Church, Virginia, 08/25/2008

proposes to establish branches at 12165 

Darnestown Road, Gaithersburg, Maryland, and 

818 South King Street, Leesburg, Virginia.

JOHN MARSHALL BANK

Newspaper:

Federal Register:

* Branch

Not applicable

NBRS Financial Bank, Rising Sun, Maryland, 08/21/2008

proposes to establish a branch located at 20 

Craigtown Road, Port Deposit, Maryland.

NBRS FINANCIAL 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

 969424 HIGHLANDS UNION BK, ABINGDON, VIRGINIA 03/31/2008 07/17/2008 S Large Bank

 3153288 SUFFOLKFIRST BK, SUFFOLK, VIRGINIA 03/24/2008 07/09/2008 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending August 16, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

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:

* 18C

* Branch Not applicable

Bank Independent, Sheffield, Alabama, to merge 09/10/2008

with The Citizens Bank, Moulton, Alabama.

BANK INDEPENDENT

Newspaper:

Federal Register:

* 4c8 08/29/2008

08/28/2008

Early Bancshares, Inc., Blakely, Georgia, to 

acquire 100 percent of the outstanding shares of 

One South Bank, Chipley, Florida (in 

organization), and thereby engage in operating 

a savings association.

EARLY BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 08/26/2008

08/21/2008

Prior change in control notice filed by Charles R. 

Carter, Sr., Mary Ann Carter, Charles W. Carter, 

Jr., Laurie C. Wilder, and related interests, all of 

Jackson, Georgia (collectively, the Carter 

Family), to acquire voting shares of First 

Georgia Community Corp., and its subsidiary, 

First Georgia Community Bank, both of Jackson, 

Georgia.

FIRST GEORGIA COMMUNITY 

CORP.

Newspaper:

Federal Register:

* Branch

Not applicable

Franklin Synergy Bank, Franklin, Tennessee, to 08/23/2008

establish a branch located at 134 4th Avenue 

North, Franklin, Tennessee to be known as 

Franklin Synergy Bank Downtown Franklin 

Office.

FRANKLIN SYNERGY BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

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 Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 16, 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

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending August 16, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

09/04/2008

First Cecilian Bancorp, Inc., Cecilia, Kentucky, 

to engage in lending activities.

FIRST CECILIAN BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 09/15/2008

09/15/2008

First National Corporation of Wynne, Wynne, 

Arkansas, to acquire 35 percent of Twin Lakes 

Bancshares, Inc., Flippin, Arkansas, and 

thereby retain control of Twin Lakes Community 

Bank, Flippin, Arkansas. Also, a companion 

filing by First National Corporation of Wynne to 

indirectly acquire Smith Associated Banking 

Corporation, Hot Springs, Arkansas, and 

thereby indirectly acquire Bank of Salem, Salem, 

Arkansas.

FIRST NATIONAL 

CORPORATION OF WYNNE

Newspaper:

Federal Register:

* 3A1

* 3A3

09/15/2008

09/15/2008

Twin Lakes Bancshares, Inc., Flippin, Arkansas, 

to become a bank holding company by 

acquiring 100 percent of Twin Lakes Community 

Bank, Flippin, Arkansas. Also, a companion 

filing by Twin Lakes Bancshares, Inc. to acquire 

100 percent of Smith Associated Banking 

Corporation, Hot Springs, Arkansas, and 

thereby indirectly acquire Bank of Salem, Salem, 

Arkansas, immediately following the bank 

holding company formation.

TWIN LAKES 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

 308443 BANK OF FAYETTEVILLE, FAYETTEVILLE, ARKANSAS 04/28/2008 08/05/2008 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 August 16, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

American State Bank, Pierre, South Dakota, to 07/20/2008

establish a mobile branch facility to be located 

in Pierre, South Dakota.

AMERICAN STATE BANK OF 

PIERRE

Newspaper:

Federal Register:

CIC 08/11/2008

08/13/2008

David Schornack, Perham, Minnesota, 

individually and as a part of a group acting in 

concert with Denise Schornack, Perham, 

Minnesota, Daniel Welter, New York Mills, 

Minnesota, and Bonnie Welter New York Mills, 

Minnesota, to acquire control of Quality 

Bankshares, Inc., Fingal, North Dakota, and 

thereby indirectly acquire control of Quality 

Bank, Fingal, North Dakota.

QUALITY BANKSHARES, INC.

Newspaper:

Federal Register:

CIC 08/26/2008

08/06/2008

Notice by John Richard Doherty, Oswego, 

Illinois, to retain 10 percent or more of the 

shares of West End Financial Corporation, 

Bessemer, Michigan, and thereby indirectly 

retain control of Gogebic Range Bank, 

Bessemer, Michigan.

WEST END FINANCIAL CORP.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending August 16, 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 available

Not applicable

Community Banks of Colorado, Greenwood 

Village, Colorado, to establish a branch at 320 

Main Street, Suite 100, Carbondale, Colorado.

COMMUNITY BANKS OF 

COLORADO

Newspaper:

Federal Register:

* 3A3 Not available

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 Not available

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 Steven J. Buchanan, 

Omaha, Nebraska, as a member of Wilber Co. 

Voting Trust, to acquire 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

 64552 BANK2, OKLAHOMA CITY, OKLAHOMA 05/19/2008 08/08/2008 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 August 16, 2008

Filer Filing Type Filing Proposal End of Comment Period

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:

* 3A1 09/10/2008

09/12/2008

Liberty Capital Bancshares, Inc., Addison, 

Texas, to become a bank holding company by 

acquiring 100 percent of Liberty Capital Bank, 

Addison, Texas (in organization).

LIBERTY CAPITAL 

BANCSHARES. INC.

Newspaper:

Federal Register:

* 3A3 09/03/2008

09/08/2008

McCamey Financial Corporation, Odessa, 

Texas, to acquire 100 percent of First National 

Monahans Bancshares, Inc., Monahans, Texas, 

and indirectly acquire Monahans Delaware 

Financial Corporation, Wilmington, Delaware, 

and First National Bank of Monahans, 

Monahans, Texas.

MCCAMEY FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 Not available

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

PlainsCapital Bank, Lubbock, Texas, to establish 08/27/2008

a branch to be located at 12319 North MoPac 

Expressway, Austin, Texas 78758.

PLAINSCAPITAL BANK

Newspaper:

Federal Register:

* Branch

Not applicable

PlainsCapital Bank, Lubbock, Texas, to establish 08/28/2008

a branch to be located at 2323 Victory Avenue, 

Dallas, Texas 75215.

PLAINSCAPITAL BANK

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending August 16, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 09/11/2008

09/12/2008

Carpenter Fund Manager GP, LLC; Carpenter 

Fund Management, LLC; Carpenter Community 

Bancfund-A, L.P.; Carpenter Community 

Bancfund, L.P.; and Carpenter Community 

Bancfund CA, L.P., all of Irvine, California, to 

become bank holding companies by acquiring 

24.3 percent of Mission Community Bancorp, 

and thereby its subsidiary, Mission Community 

Bank, both of San Luis Obispo, California.

CARPENTER FUND MANAGER 

GP, LLC

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 Not available

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

* 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