Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 29 

Week Ending July 19, 2008

Board of Governors of the Federal Reserve System, Washington, DC 20551
Testimony And Statements

Equal Credit Opportunity Act -- statement by Sandra F. Braunstein, director, 

Division of Consumer and Community Affairs, before the Subcommittee on 

Oversight and Investigations of the House Committee on Financial Services on 

whether data on applicants' personal characteristics should be collected for 

non-mortgage loans.

- Published, July 17, 2008

Regulations And Policies

Basel Capital Accord -- final interagency guidance on the supervisory review process 

for capital adequacy (Pillar 2) related to implementation of the Basel II advanced 

capital framework (Docket No. OP-1322).

- Approved, July 14, 2008

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

New York to lend to Fannie Mae and Freddie Mac should such lending prove 

necessary.

- Approved, July 13, 2008

Home Mortgage Lending -- final amendments to Regulation Z (Truth in Lending) 

under the Home Ownership and Equity Protection Act to protect consumers from 

unfair, abusive, or deceptive mortgage lending and servicing practices and revise 

certain disclosure requirements; and publication for comment of revisions to 

Regulation C (Home Mortgage Disclosure) to make rules for reporting higher-priced 

loans consistent with Regulation Z amendments (Docket Nos. R-1305 and R-1321).

- Approved, July 14, 2008

Enforcement

KCB Bank, Kearney, Missouri -- written agreement with the Federal Reserve Bank 

of Kansas City and the Missouri Division of Finance.

- Announced, July 14, 2008

H.2 Board Actions July 13, 2008 to July 19, 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

July 13, 2008 to July 19, 2008

Bank Branches, Domestic

The Adirondack Trust Company, Saratoga Springs, New York -- to establish a 

branch at 376 Bay Road, Queensbury.

Secretary

- Approved, July 17, 2008

Glacier Bank, Kalispell, Montana -- to establish a branch at 7100 Highway 93 South, 

Lakeside.

Minneapolis

- Approved, July 18, 2008

NBRS Financial Bank, Rising Sun, Maryland -- to establish a branch in the 5000 

block of Pulaski Highway, Perryville.

Richmond

- Approved, July 17, 2008

Old Southern Bank, Orlando, Florida -- to establish a branch at 8910 Turkey Lake 

Road, Orlando.

Atlanta

- Approved, July 15, 2008

Bank Holding Companies

Charter Bancshares, Inc., Corpus Christi, Texas, and Charter IBHC, Inc., 

Wilmington, Delaware -- to acquire shares of Charter Alliance Bank, Corpus Christi, 

a de novo bank.

Dallas

- Approved, July 15, 2008

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

Coeur d'Alene Bancorp, Coeur d'Alene, Idaho -- to become a bank holding company 

and to acquire bankcda, Coeur d'Alene.

San Francisco

- Approved, July 14, 2008

Eagle Bancorp, Inc., Bethesda, Maryland -- to acquire Fidelity & Trust Financial 

Corporation, Bethesda, and thereby acquire Fidelity & Trust Bank.

Richmond

- Approved, July 14, 2008

Savings Bank of Maine, Gardiner, Maine -- waiver of application in connection with 

the acquisition of Rivergreen Bank, Kennebunk.

Boston

- Granted, July 18, 2008

Bank Mergers

Community Bank, Cabot, Arkansas -- to merge with Bank of Mountain View, 

Mountain View, and thereby establish branches.

St. Louis

- Approved, July 16, 2008

Susquehanna Bank PA, Lititz, Pennsylvania -- for Susquehanna Bank DV, Bryn 

Mawr, and Susquehanna Bank, Hagerstown, Maryland, to merge with Susquehanna 

Bank PA, Lancaster, Pennsylvania.

Philadelphia

- Approved, July 14, 2008

H.2 Actions under delegated authority July 13, 2008 to July 19, 2008

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

NBRS Financial Bank, Rising Sun, Maryland -- to increase its investment in bank 

premises.

Richmond

- Approved, July 17, 2008

Change In Bank Control

BOR Bancorp, Rothville, Missouri -- change in bank control of Bancorp and its 

subsidiary bank, Bank of Rothville, Rothville.

Kansas City

- Permitted, July 17, 2008

Center Bancorp, Inc., Union, New Jersey -- change in bank control of Bancorp and 

its subsidiary bank, Union Center National Bank, Union.

New York

- Permitted, July 14, 2008

Williston Holding Company, Williston, Florida -- change in bank control of 

Company and its subsidiary bank, Perkins State Bank, Williston.

Atlanta

- Permitted, July 15, 2008

Currency

Federal Reserve Notes -- letter confirming request for printing of notes during the 

fiscal year ending September 30, 2009.

Director, RBOPS

- Approved, July 17, 2008

H.2 Actions under delegated authority July 13, 2008 to July 19, 2008

(A/C) = Addition or Correction Delegated - 3 of 6
Extensions Of Time

CNB Bancorp, Inc., Mobile, Alabama -- extension to October 26, 2008, to become a 

bank holding company and to acquire Commonwealth National Bank, Mobile.

Atlanta

- Granted, July 15, 2008

Commerce Union Bancshares, Inc., Springfield, Tennessee -- extension to November 

22, 2008, to become a bank holding company and to acquire Commerce Union Bank, 

Springfield.

Atlanta

- Granted, July 16, 2008

First Banks, Inc., St. Louis, Missouri -- extension to October 14, 2008, to acquire 

additional shares of Community West Bancshares, Goleta, California, and thereby 

acquire Community West Bank, National Association.

St. Louis

- Granted, July 15, 2008

Kaw Valley State Bank and Trust Company, Wamego, Kansas -- extension to 

November 22, 2008, to merge with The First National Bank of Clifton, Clifton, and 

thereby establish two branches.

Kansas City

- Granted, July 17, 2008

Minier Financial, Inc. Employee Stock Ownership Plan w/401(k) Provisions, Minier, 

Illinois -- extension to October 28, 2008, to increase its ownership of Minier 

Financial, Inc., Minier, and thereby increase its ownership of First Farmers State 

Bank.

Chicago

- Granted, July 17, 2008

H.2 Actions under delegated authority July 13, 2008 to July 19, 2008

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

Shelby County State Bank, Shelbyville, Illinois -- extension to September 22, 2008, 

to establish a branch at 920 East Main Street, Moweaqua.

Chicago

- Granted, July 15, 2008

Texas American Acquisition Group, Inc., Fort Worth, Texas -- extension to October 

14, 2008, to become a bank holding company and to acquire Liberty Bank, North 

Richland Hills.

Dallas

- Granted, July 16, 2008

Virginia Partners Bank (in organization), Fredericksburg, Virginia -- extension to 

October 18, 2008, to become a member of the Federal Reserve System and to 

establish two branches.

Richmond

- Granted, July 16, 2008

Financial Holding Companies 

Eagle National Bancorp, Inc., Upper Darby, Pennsylvania -- election to become a 

financial holding company.

Philadelphia

- Effective, July 17, 2008

H.2 Actions under delegated authority July 13, 2008 to July 19, 2008

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

State Street Bank and Trust Company, Boston, Massachusetts -- to amend the articles 

of association of its Edge corporation subsidiary, State Street International Holdings, 

Boston.

Boston

- Approved, July 10, 2008

(A/C)

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on June 24 and 25, 2008.

FOMC

- Published, July 16, 2008

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

check processing operations in the Boston and Philadelphia Reserve Districts 

(Docket No. R-1323).

Secretary

- Approved, July 15, 2008

H.2 Actions under delegated authority July 13, 2008 to July 19, 2008

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

Federal Reserve Bank of Boston

Filings received during the week ending July 19, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 08/15/2008

Application by WebFive, MHC and WebFive 

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 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 July 19, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Not available

The Adirondack Trust Company Employee 07/28/2008

Stock Ownership Trust, Saratoga Springs, New 

York, to acquire fifty additional shares of 473 

Broadway Holding Corporation and to acquire 

one thousand additional shares of The 

Adirondack Trust Company, both of Saratoga 

Springs, New York.

ADIRONDACK TRUST 

COMPANY EMPLOYEE STOCK 

OWNERSHIP TRUST, THE

Newspaper:

Federal Register:

* Branch

Not applicable

The Adirondack Trust Company, Saratoga 07/11/2008

Springs, New York, requests approval to 

establish a full service branch at 376 Bay Road, 

Queensbury, Warren County, New York. (RSSD 

#3797990)

ADIRONDACK TRUST 

COMPANY, THE

* 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 July 19, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Bryn Mawr Trust Company, Bryn Mawr, PA 

requesting approval to increase its investment 

in bank premises by $1,300,000 which will 

exceed the 150% threshold investment in their 

bank premises

BRYN MAWR TRUST 

COMPANY

* 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 July 19, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8

* 18C

* Branch

08/02/2008

08/11/2008

CSB Bancorp, Inc., Millersburg, Ohio, to acquire 

Indian Village Bancorp, Inc.and its thrift 

subsidiary, Indian Village Community Bank, 

both of Gnadenhutten, Ohio

CSB BANCORP, INC.

Newspaper:

Federal Register:

CIC

Not available

Multiple Interagency Notices of Change in Bank 08/06/2008

Control filed by Jay L. Dunlap, Lincoln, NB; 

Samad Yaltaghian, Rushden, Northants, 

England; and a Voting Trust established in 

concert by Jay L. Dunlap as sole voting trustee, 

Samad Yaltaghian, and Gregory Neisen to 

own/control voting shares of New Richmond 

Bancorporation, New Richmond, OH.

NEW RICHMOND 

BANCORPORATION

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending July 19, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not available

* Branch Not applicable

First Financial Bank, Fairfax, Virginia (in 

organization), to become a member of the 

Federal Reserve System.

FIRST FINANCIAL BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First Peoples Bank, Inc., Mullens, West Virginia, 08/01/2008

to establish a branch at the corner of Bethel 

Road and Dayton Street, MacArthur, West 

Virginia.

FIRST PEOPLES BANK, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

River City Bank, Mechanicsville, Virginia, 07/23/2008

proposes to establish a branch at 10374 South 

Leadbetter Road, Ashland, Virginia.

RIVER CITY BANK

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending July 19, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 07/17/2008

08/01/2008

Prior change in control notice filed by George 

Lamar Weaver, Jackson, Georgia, to acquire 

17.46 percent of the outstanding shares of First 

Georgia Community Corp., and its subsidiary, 

First Georgia Community Bank, both of Jackson, 

Georgia. Total pro forma ownership will equal 

20.65 percent.

FIRST GEORGIA COMMUNITY 

CORP.

Newspaper:

Federal Register:

CIC 07/17/2008

08/01/2008

Prior change in control notice filed by Charles R. 

Carter, Sr., Jackson Georgia, to acquire 12.67 

percent of the outstanding shares of First 

Georgia Community Corp., and its subsidiary, 

First Georgia Community Bank, both of Jackson, 

Georgia. Total pro forma ownership will equal 

15.36 percent.

FIRST GEORGIA COMMUNITY 

CORP.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Monte de Piedad y Caja de Ahorros San 

Fernando de Huelva, Sevilla, Spain (CAJASOL), 

to establish a representative office in Miami, 

Florida.

MONTE DE PIEDAD Y CAJA DE 

AHORROS SAN FERNANDO DE 

HUELVA

* 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 July 19, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

07/25/2008

FBOP Corporation, Oak Park, Illinois, to acquire 

100 percent of the voting shares of PFF 

Bancorp, Inc., Rancho Cucamonga, California, 

and thereby indirectly acquire PFF Bank & 

Trust, Pomona, California, and thereby operate a 

savings association, Diversified Builders 

Services, Inc., Rancho Cucamonga, California, 

and thereby to engage in extending credit and 

servicing loans, Glencrest Investment Advisers, 

Rancho Cucamonga, California, and thereby to 

engage in financial and investment advisory 

services, and Pomona Financial Services, 

Rancho Cucamonga, California, and thereby to 

engage in trust company functions.

FBOP CORPORATION

Newspaper:

Federal Register:

CIC Not available

07/21/2008

Notice by a group acting in concert, composed 

of Gary Shiffman, West Bloomfield, Michigan, 

Arthur Weiss, Farmington Hills, Michigan, 

Ronald Klein, Bloomfield Hills, Michigan, Paul 

Hodges, Orchard Lake, Michigan, Roman 

Ferber, West Bloomfield, Michigan, David 

Freidman, West Bloomfield, Michigan, Steven 

Freidman, West Bloomfield, Michigan, Brian 

Wenzel, Howell, Michigan, Sheldon Yellen, 

Bloomfield Hills, Michigan, Gary Torgow, Oak 

Park, Michigan, Dov Loketch, Oak Park, 

Michigan, Joseph Nusbaum, Oak Park, 

Michigan, David Provost, Birmingham, 

Michigan, Max Berlin, Southfield, Michigan, 

Donald Coleman, Bonita Springs, Florida, Albert 

Papa, Birmingham, Michigan, Robert Naftaly, 

West Bloomfield, Michigan, Thomas 

Schellenberg, Cross Village, Michigan, Thomas 

Brown, Farmington Hills, Michigan, Christine 

Otto, Oxford, Michigan, James Dunn, Livonia, 

Michigan, Gary Sakwa, Bloomfield Hills, 

Michigan, and Frank Hennessey, Ocala, Florida, 

to acquire over 25 percent of the outstanding 

voting shares of First Michigan Bancorp, Inc., 

Troy, Michigan, and thereby to indirectly 

acquire control of First Michigan Bank, Troy, 

Michigan.

FIRST MICHIGAN BANCORP, 

INC.

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

08/08/2008

Hometown Community Bancorp, Inc., Morton, 

Illinois and Hometown Community Bancorp 

Employee Stock Ownership Plan and Trust, 

Morton, Illinois, to merge with Alpha Financial 

Group, Inc., Toluca, Illinois and Alpha Financial 

Group, Inc. Employee Stock Ownership Plan, 

Toluca, Illinois, and thereby indirectly acquire 

Alpha Community Bank, Toluca, Illinois, and 

the related application by Morton Community 

Bank, Morton, Illinois, to merge with Alpha 

Community Bank, Toluca, Illinois, and thereby 

to establish 4 branches.

HOMETOWN COMMUNITY 

BANCORP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending July 19, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

06/02/2008

IBT Bancorp, Inc., Mt. Pleasant, Michigan, to 

retain 5.9 percent of the voting shares of Valley 

Financial Group, Ltd., Saginaw, Michigan, and 

thereby indirectly retain shares of 1st State 

Bank, Saginaw, Michigan.

IBT BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 08/10/2008

08/15/2008

LWCBancorp, Inc., New Lenox, Illinois, to 

become a bank holding company by acquiring 

100 percent of the voting shares of Lincolnway 

Community Bank, New Lenox, Illinois.

LWCBANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 07/24/2008

Wisconsin, to establish branches at the 

following locations: 1) 2369 North Morton 

Street, Franklin, Indiana, 2) 136th and Olio Road, 

Fishers, Indiana, 3) 2722 East Burleigh 

Boulevard, Tavares, Florida, and 4) 2363 

Vanderbilt Beach Road, Naples, Florida.

M&I MARSHALL & ILSLEY 

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 July 19, 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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending July 19, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 07/23/2008

07/16/2008

Change in Control notice by Lawrence C. Holtz, 

Edina, Minnesota, to retain control of 25% or 

more of the shares of Financial Services of Saint 

Croix Falls Inc., Saint Croix Falls, Wisconsin, 

and thereby indirectly retain control of Eagle 

Valley Bank, National Association, Saint Croix, 

Wisconsin.

FINANCIAL SERVICES OF 

SAINT CROIX FALLS, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

The First Western Bank Sturgis, Sturgis, South 07/30/2008

Dakota, to establish a branch facility to be 

located at 145 Glendale Drive, Suite 4, Lead, 

South Dakota.

FIRST WESTERN BANK 

STURGIS, THE

Newspaper:

Federal Register:

CIC Not available

07/29/2008

Notice by Brian K. Solsrud, Minneapolis, 

Minnesota, Gregory A. Solsrud, Dunwoody, 

Georgia, Corinne E. Solsrud, Mosinee, 

Wisconsin, and Rachel A. Solsrud Goodell, 

Augusta, Wisconsin, individually and as a 

group acting in concert to acquire control of 

Kimberly Leasing Corporation, Augusta, 

Wisconsin and thereby indirectly acquire 

control of Unity Bank, Rush City, Minnesota.

KIMBERLY LEASING 

CORPORATION

Newspaper:

Federal Register:

* 3A5 Not available

08/01/2008

NATCOM Bancshares, Inc., Superior, 

Wisconsin, to acquire 100 percent of Superior 

Bancorporation, Ltd., Superior, Wisconsin, and 

thereby indirectly acquire Community Bank, 

Superior, Wisconsin.

NATCOM BANCSHARES,INC.

Newspaper:

Federal Register:

CIC Not available

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.

Newspaper:

Federal Register:

CIC Not available

07/29/2008

Notice by Noah Wynter Wilcox, Grand Rapids, 

Minnesota, to join a group acting in concert 

with Steven Monroe Wilcox, Grand Rapids, 

Minnesota, to acquire control of Wilcox 

Bancshares, Grand Rapids, Minnesota, and 

thereby indirectly acquire control of Grand 

Rapids State Bank, Grand Rapids, Minnesota.

WILCOX BANCSHARES, 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 July 19, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Rocky Mountain Bank, Wilson, Wyoming, to 

establish a branch at 890 West Broadway, 

Jackson, Wyoming; and to relocate its main 

office from Rock Springs, Wyoming, to Wilson, 

Wyoming, thereby establishing Rock Springs, 

Wyoming as a branch.

ROCKY MOUNTAIN BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Security Bank, to relocate its main office from 

Pawnee, Oklahoma, to Tulsa, Oklahoma, thereby 

establishing the Pawnee, Oklahoma location as 

a branch.

SECURITY BANK

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending July 19, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 08/06/2008

08/15/2008

BankCap Partners, Fund I, L.P., Dallas, Texas; 

BankCap Partners GP, L.P., Dallas, Texas; and 

BankCap Equity Fund, LLC, Dallas, Texas, to 

acquire 9.9 percent of TriState Capital Holdings, 

Inc., Pittsburg, Pennsylvania, and indirectly 

acquire TriState Capital Bank, Pittsburg, 

Pennsylvania.

BANKCAP PARTNERS FUND I, 

L.P.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Lone Star State Bank of West Texas, Lubbock, 

Texas, to merge with First Bank of Brownfield, 

Brownfield, Texas, and establish a branch at 300 

West Main Street, Brownfield, Texas 79316.

LONE STAR STATE BANK OF 

WEST TEXAS

Newspaper:

Federal Register:

CIC Not available

Not available

The Gayle Gourley Trust, The W.J. Gourley, III. 

Trust, and The Mary Theresa Lott Trust, all of 

Fort Worth, Texas, and Messrs. Richard A. 

Griffin, Charles Lasater, Henry W. Simon, Jr., 

John W. Windle, and B. Ted Woodle, all of Fort 

Worth, Texas, and Jack S. Lewis, Arlington, 

Texas, all as trustees, propose to acquire an 

interest in Texas American Acquisition Group, 

Inc., Fort Worth, Texas, and indirectly acquire 

Liberty Bank, North Richland Hills, Texas.

TEXAS AMERICAN 

ACQUISITION 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 July 19, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Commencement Bank, Tacoma, Washington, to 

become a member of the Federal Reserve 

System.

COMMENCEMENT BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Community Bank of Nevada, Las Vegas, 07/30/2008

Nevada, to establish a branch office located at 

Sansone Street, Rose Coronado Plaza, 

Henderson, NV 89074. St. Rose Parkway & 

Coronado Center, Building 5, Pad B.

COMMUNITY BANK OF 

NEVADA

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Toinette Rossi, Manteca, California, 

to acquire additional shares of Delta National 

Bancorp, and thereby indirectly control its 

subsidiary, Delta Bank, N.A., both of Manteca, 

California.

DELTA NATIONAL BANCORP

Newspaper:

Federal Register:

* 3A1 08/05/2008

08/08/2008

Summit Banking Company to become a bank 

holding company by acquiring 100 percent of 

Summit Bank, both of Burlington, Washington.

SUMMIT BANKING COMPANY

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act